PayPal Credit Card Processing Reviews & Complaints

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Company Overview

This PayPal review is intended primarily for small business owners who accept credit card payments on a regular basis and for any new businesses that will need to accept credit cards. Due to this focus, the content of this review will cover the factors that are most important to established business owners who are interested in using PayPal for the purpose of accepting credit card payments from their customers.

Is PayPal Holding Your Funds Right Now?

Thousands of merchants have had their payments frozen by PayPal. If you’re one of them, then you might find these resources helpful:

A Titan of E-Commerce

PayPal began as a wholly-owned subsidiary of eBay, where it was heavily used for payments between buyers and sellers of eBay auctions. In mid-2015, PayPal split off from eBay to become its own independent company. The service is one of the most accessible electronic payment methods in the industry because it allows anyone with an email address to sign up to send and receive payments from other individuals. Additionally, PayPal has a merchant services division that allows businesses of all sizes to accept credit card payments.

PayPal Credit Card Processing

PayPal is unlike traditional credit card processors because merchants cannot use PayPal with typical credit card processing equipment. Instead, PayPal offers several other services including shopping cart integration, “buy now” buttons, and donation buttons that are primarily targeted towards merchants with an online presence. The company also offers a virtual terminal with an optional credit card reader that plugs into the USB port of most computers. The virtual terminal allows merchants to enter credit card data themselves.

Paypal Point-Of-Sale (POS)

Paypal utilizes an all-in-one POS solution called Zettle, which provides portable in-person acceptance of chip, swipe, and contactless payments. The company focuses on the small handheld POS for most of their physical payment processing, but they also offer larger register-style POS and scanning equipment for managing inventory. The device can operate off customers’ smartphones and other USB devices. It integrates with an existing PayPal merchant account as well as Apple Pay, Samsung Pay, and Android Pay. The advertised rate for Zettle is 2.29% + .09$ per transaction, with added costs for additional equipment.

PayPal Requires a Separate Account

One important difference between PayPal and a merchant account supplied by a credit card processor is that business owners must request the transfer of funds from their PayPal accounts to their bank accounts. Typically, most merchant account providers transfer the money to their merchants’ bank accounts as “batches” automatically within 48 hours of the close of a business day. PayPal also offers payments by check and a debit card that can be used for purchases or withdrawing money from an ATM. Merchants who would like to avoid this arrangement are better off using PayPal alternatives instead.

PayPal Business Accounts

Businesses can use PayPal to accept payments online, in-person, or through mobile devices. With a PayPal business account, companies can access a variety of features, such as generating and sending invoices, accepting credit and debit cards, and enabling touch-free payments.

E-commerce Solutions by PayPal

PayPal offers e-commerce solutions to facilitate online businesses. Businesses can integrate PayPal’s payment processing services into their websites or apps, allowing customers to pay securely with just a few clicks.

PayPal Mobile Payments

Recognizing the importance of mobile transactions in today’s digital age, PayPal offers a mobile payment option. Through the PayPal app, users can send and receive payments, check account activity, and even donate to their favorite charities.

PayPal Credit

PayPal Credit is a unique service that allows customers to buy now and pay over time. This feature provides customers with a flexible payment option, while businesses receive payment upfront, reducing their financial risk.

PayPal’s International Money Transfers

PayPal also facilitates international money transfers, enabling users to send money across borders swiftly and securely. This feature is particularly useful for businesses operating in the global marketplace.

Security Measures Implemented by PayPal

PayPal places a significant emphasis on security. Their advanced security measures, including data encryption and fraud prevention tools, help protect users’ personal and financial information.

Location & Ownership

Daniel Schulman is the CEO of PayPal, which is headquartered at 2211 North First Street, San Jose, California 95131.

PayPal Pros and Cons


  • Very well-known
  • Easy to set up and use
  • Comparable price to traditional merchant accounts


  • Many complaints
  • High price compared to the best in the industry

Video Summary

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Table of Contents

  • Competitors and Comparisons How does the company square up against…
  • Costs & Contract: Offers a month-to-month contract with no early termination fee and…
  • Complaints & Service: Has received thousands of public complaints regarding…
  • BBB Rating: Has an “A” rating with the BBB but has received 33,516 complaints and 0 reviews in the past 3 years in regards to…
  • Sales & Marketing: Does not hire independent sales agents and has not received any complaints about its…

PayPal Competitors and Comparisons

PayPal vs Venmo

PayPal and Venmo, while technically the same company, are competing as an alternative option for small businesses to take payments online and in person. Many clients aren’t aware that PayPal actually owns Venmo when making this decision.

It’s also important to note that both PayPal and Venmo were not originally designed to be the primary payment processing service for most merchant accounts. Originally Paypal was the payment backbone for the online auction giant eBay before it split off in 2015. Venmo was created to transfer funds between family, friends, and other trusted individuals. Paypal acquired Venmo as part of its purchase of startup Braintree in 2013 for $800 million.

However, they have seen an uptick in use in recent years from smaller businesses that do not wish to maintain an account with one of the larger payment processors. This shift has been embraced by both brands, and we’ve seen a recent introduction of new products and services aimed at appeasing their growing number of clients who use the services as their primary form of payment service provider. Venmo in particular has changed its platform to begin allowing businesses to create profiles and provide transactions with more transparency and security. There are some key differences between the two brands when it comes to payment processing.

Credit & Debit Processing

While we remind our readers that neither service was initially designed to handle large volumes of transactions, both allow this in one form or another. Both companies offer electronic invoicing services, QR scanning, keyed-in transactions, and account-to-account transfers, but PayPal has a lot more to offer in terms of physical POS systems and virtual terminal options when it comes to taking cards. Venmo does not seem to have some of the consumer protections in place for chargebacks and consumer disputes, as indicated by the numerous warnings to only deal with trusted accounts and individuals.

Venmo allows clients to accept credit card payments but will charge an additional 3%. PayPal charges the same fee outside of account-to-account transfers. Venmo does not have a credit card scanner currently, and transactions must be made through the app. PayPal has several tiers of physical POS systems with card and chip readers depending on your needs, something Venmo can’t currently offer.

Paypal also issues debit cards tied to their accounts, which Venmo plans to offer in the future, according to their site.


Neither brand charges a monthly fee or early termination fee, making them both very attractive to businesses that make few or sparse transactions. While it can be difficult to gauge Venmo and Paypal’s direct cost difference on services Venmo doesn’t offer, we can look at QR-based transaction fees and costs. QR codes are most likely going to be the primary payment method for Venmo users, considering their lack of physical card readers. Venmo charges 1.9% + $0.10 per QR transaction, whereas Paypal is slightly more expensive at 2.29% + $0.09 per transaction. This percent difference comes with a lot of consumer protections on PayPal’s end. PayPal does offer several optional monthly services, such as added fraud protection for additional costs.

Pros & Cons

One of the biggest drawbacks to both services is the inability to automatically transfer funds to your bank. This might be the main distinguishing feature from a normal credit card processing company. While both companies make it easy for users to transfer funds to their bank in a few clicks, there is usually a delay of 1-3 days before the funds are released. PayPal in particular has received large amounts of complaints related to this delay, and it’s also where funds can get frozen for one reason or another.

While Venmo can typically take 1 to 3 business days to transfer money to a bank account for free, the company also has an instant transfer option. It allows merchants and other users to instantaneously transfer funds. However, a 1% fee is attached to these transfers, with a minimum of $0.25 and a maximum of $10. PayPal offers a similar service for 1% with no fee ceiling. These very small nuances can mean the difference of hundreds of dollars over the lifetime of using PayPal versus Venmo.

Both services offer a large amount of flexibility, and that seems to be the main attraction for businesses. While PayPal boasts one of the largest payment networks out there, Venmo can really shine as a low-maintenance and highly mobile payment platform. It’s also more accessible to users, allowing them to simply download the app to pay. While PayPal technically matches all these services on paper, the end-users and mobile market seem to prefer Venmo. We think there’s room for both services depending on a client’s needs; however, it will be interesting to watch the two brands trying to stay off of each other’s toes as Venmo steadily approaches merchant account territory.

We invite our readers to check out our Venmo review for more in-depth information.

PayPal Customer Complaints & Reviews

Here's What Users Think

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint
Recent Lawsuits

Millions of Users, Thousands of PayPal Complaints

The grade for this section is difficult to assign because of PayPal’s unique position in the credit card processing industry. Unlike traditional merchant accounts, virtually anyone can sign up for a PayPal account, and PayPal has over 100 million users. As one can imagine, there are thousands of negative Paypal reviews. The two types of negative PayPal reviews that are most common among actual business owners are of sudden account freezes that disable the merchant’s ability to accept further transactions and withdraw money, and poor experiences with customer service. If you have your own PayPal review to make, please do so in the comments below.

Moderate Risk of Fund-Holds

Business owners who complain of fund-holds often report difficulty in getting explanations as to why the hold was established. They also state that the money was held for long periods of time. Holds are a common practice in the credit card processing industry and are often used on “high-risk” businesses who would be better served by high-risk processing specialists. Many businesses do not transfer their PayPal funds on a daily basis, so days’ or weeks’ worth of sales can get locked up during an account freeze. However, holds and account freezes are never a problem for most clients, even though there are quite a few reported cases online.

paypal fund holding policy screen capture

PayPal gives this notice when logging on to accounts with held funds.

PayPal Lawsuits

In 2017, PayPal was sued in the matter of Zepeda v. PayPal Inc., a class-action lawsuit that alleged the company had improperly handled disputed transactions, placed holds, reserves or limitations on customers’ accounts without notice, and closed merchant accounts without notice. The company agreed to pay a sum of over $4 million to plaintiffs who were part of the class action.

2021 saw a flurry of legal activity concerning PayPal. It began in February 2021, when the company announced that it was under investigation by the Securities and Exchange Commission and the Consumer Financial Protection Bureau.

According to Bloomberg, “The SEC is investigating whether the swipe fees paid to the banks that issue PayPal’s debit cards are consistent with Federal Reserve guidelines, the San Jose, California-based company said Thursday in a quarterly regulatory filing. The agency is also investigating how PayPal reports marketing fees earned from its branded-card program. […] Separately, PayPal said it received a civil investigative demand from the CFPB in connection to the marketing and use of PayPal Credit in connection with merchants that provide educational services. The regulator asked PayPal to produce documents, written reports and answers to written questions. The company said it is cooperating.” Following the announcement of this investigation, PayPal Inc. stock dropped significantly. This led to a bevy of class-action suits being announced against the company. With such heavy legal action underway against one of the world’s largest and most well-known payment processors, these cases are sure to set standards for the industry going forward.

PayPal was also sued in June 2021 by World Series of Poker champion Chris Moneymaker in another class-action suit regarding seized funds from fantasy sports leagues.

An ongoing lawsuit regarding fund-holds and frozen accounts was brought against PayPal in 2022.

A further class-action suit was filed against PayPal in 2023 regarding a data break of 35,000 peoples’ accounts.

PayPal Customer Support Options

PayPal offers several options for resolving customer service problems, including a phone helpline. The basic support line is open to all account types and appears to suffer from periodic long wait times and poor service. Businesses can get higher levels of customer support by paying either $159 per month for “13X7 Enhanced” support, or $495 per month for “24X7 Premium” support.

PayPal Customer Service Numbers

  • (888) 221-1161 – Toll Free General Customer Service
  • (402) 935-7733 – Report Unauthorized Transactions
  • (888) 914-8072 – Español
  • (402) 935-2050 – For customers calling from outside the US

Other Support Options

  • Live chat support

PayPal earns a “C” in this section because of the sheer volume of negative PayPal reviews filed online, but the company does a decent job of providing many customer service options and maintaining a small proportion of complaints in comparison to its user base.

PayPal BBB Rating and Report

Our Better Business Bureau Profile Assessment

BBB Summary

BBB Reports

Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.

More Than 33,000 Better Business Bureau Complaints

As of this review, PayPal is accredited with the Better Business Bureau and maintains an “A” rating despite having 33,516 complaints filed in the last 36 months. This continues a trend of a large uptick in reviews. Only 33,516 of these 11,487 complaints were resolved by the company to the satisfaction of the merchant. The remaining 22,029 were resolved to the dissatisfaction of the client or received no final response.

What Merchants Say

The company had also previously received 2,182 informal PayPal reviews, with the vast majority being negative. Again, this is a massive uptick from the 1,551 when we last reviewed the company. However, all reviews have been removed with no explanation as of this review. One previous review from a client related to held funds and a poor customer service experience:

Worst outcome ever. Have been using ****** for transaction with a distributor of mine. I have had done numerous transactions with him over the last month. At least 4 of the transaction were 4 digits. Even single one of those transactions was flagged and held. Even after the first few cleared no problem. I’m not about to loose my largest clients and probably my business because of this….. the first time I understood. The second I was frustrated, the third I was mad and now I’m just done. And the support staff is of no help. My distributor can not even ca them and tell them to release it. Beyond ridiculous

Clients should review their options for merchant accounts with a history of great customer service to avoid situations like this.

FTC Venmo Settlement

At the time of a previous update, the BBB had posted a note regarding a February 2018 settlement between PayPal and the FTC:

“The Federal Trade Commission has reached a settlement with PayPal, Inc. over allegations that the company told users of its Venmo peer-to-peer payment service that money credited to their Venmo balances could be transferred to external bank accounts without adequately disclosing that the transactions were still subject to review and that funds could be frozen or removed.

In its complaint, the FTC also charges that Venmo misled consumers about the extent to which they could control the privacy of their transactions. In addition, Venmo misrepresented the extent to which consumers’ financial accounts were protected by “bank grade security systems,” and violated the Gramm-Leach-Bliley Act’s Safeguards and Privacy Rules, the complaint alleges.”

Although we consider Venmo one of the best mobile apps for sending money, it is clear that it faces some of the same criticisms as its parent company.

A “C” Performance So Far

The BBB justifies its rating by citing the length of time PayPal has been in business, the complaint volume versus PayPal’s size, the company’s response to complaints, the rate of resolution of those complaints, and the fact that the BBB has sufficient background information on PayPal. Based on PayPal’s complaint count, resolution ratio, and size, we are adjusting this section’s rating to a “C” for the purposes of this review.

PayPal Fees and Rates

A Closer Look at the Contract

Cost Summary

Cancellation Penalties
Monthly & Annual Fees
Processing Rates
Equipment Leasing

PayPal’s Merchant Services

In this section, only PayPal fees, rates, and contract terms associated with accepting credit card payments are being considered. We will not be covering personal accounts in this review, nor will we be assessing PayPal’s value as an eBay payment method.

Basic Client Setup (aka: PayPal Payments Standard)

This account type does not allow business owners to enter credit card data manually using their computers but does allow for customers to buy products by credit card through a businesss’ website. If a client has set up a PayPal Here account, they can accept credit cards directly through the mobile app. For customers looking for an easy way to accept online payments, PayPal offers this basic setup with a few advantages over traditional merchant accounts.

Basic Pricing

PayPal Standard comes with no setup cost, no monthly fee, no time commitment, no PCI Compliance fee, and no cancellation fee. PayPal Payments Standard allows businesses to easily accept payments through their websites using “buy now,” “add to cart,” and “donate” buttons as well as recurring payments from other PayPal users ($10 monthly fee). This account is also compatible with most popular shopping carts. One of the disadvantages is that the customer must leave the merchant’s website and be redirected to PayPal to complete the transaction, which can reduce conversion rates and confuse customers. With no monthly fees, PayPal credit card acceptance does come at a higher-than-average processing rate. As of this review, PayPal Payments Standard charges 2.7% plus $0.30 for all domestic in-store transactions, 2.9% plus $0.30 for all domestic online transactions, 4.2% plus $0.30 on all international in-store transactions, and 4.4% plus $0.30 on all international online transactions. Businesses registered as 501(c)(3) nonprofit corporations receive a discounted rate from PayPal of 2.2% plus $0.30 per transaction domestically and 3.7% plus $0.30 for international transactions.

Transferring from PayPal Merchant Accounts to Bank Accounts

Transfers made to bank accounts from PayPal will be deposited on the next business day. Businesses using PayPal can also transfer their balances to a bank account instantly. Instant transfers do have limits of $50,000 per transaction, $100,000 per day, $250,000 per week, and $500,000 per month. Each instant transfer is subject to a 1% fee which may not exceed $10.

Advanced Merchant Setup (aka: PayPal Payments Advanced)

The next account up from the standard account allows businesses to keep the entire checkout process on their own site. Like PayPal Payments Standard, businesses cannot enter credit card data themselves, but they do get all the same features as the basic setup and can control the user experience throughout the entire online sales process. The PayPal Payments Advanced rates are the same as PayPal Payments Standard, but there is a $5 monthly fee. PayPal also offers additional services for data handling, PCI compliance, and customer support, but these come at extra costs.

Professional Setup (aka: PayPal Payments Pro)

PayPal Payments Pro comes with all of the same features as PayPal Payment Standard and PayPal Payment Advanced but with two extra features. The first feature allows for custom design and self-hosting of the checkout page, which is primarily of interest to high-volume e-commerce retailers and web developers who want full control over the checkout process. Business owners who are interested in this process can also consider using one of the top merchant accounts for web developers.

A Virtual Terminal Option

With the second extra feature of the Pro account, PayPal offers a virtual terminal for businesses that need to enter credit card data themselves for face-to-face transactions and/or mail orders and telephone orders. Business owners who wish to use this service will need to go through an extra application process even if they already have a PayPal account. It takes about 48 hours to find out if you have been approved for a virtual terminal account. Generally speaking, the cost for this service is fairly high in comparison to the best virtual terminals and merchant account providers. In addition to a $30 per month fee, PayPal Payments Pro clients will pay the following fees:

  • 2.9% plus $0.30 per domestic transaction through their websites
  • 3.9 plus a fixed fee per international transaction through their websites
  • 3.1% plus $0.30 per domestic transaction through the virtual terminal
  • 4.4% plus a fixed fee per international transaction through the virtual terminal
  • 3.5% per American Express transaction

Volume discounts may also be available on an individual basis. PayPal also has a “micropayment” fee of 5% + $0.05 for transactions under $10.

Virtual Terminal Swiped vs. Keyed

Even though PayPal’s virtual terminal clients can use an optional credit card reader that plugs into nearly any computer, the processing rates appear to be the same for swiped and keyed transactions through PayPal’s virtual terminal. This is unusual because nearly all other merchant account providers offer lower processing fees for swiping a credit card through a reader.

PayPal Jobs and Employment

Hiring Standards and Ethical Marketing Assessment

Key Points

Uses Independent Resellers
Misleading Marketing
Discloses All Important Terms

Full Pricing Disclosure

PayPal scores well in this section because the company does not use independent sales agents or misleading sales tactics. The company clearly outlines its pricing on its website and does not alter its fees for each individual seller. In many ways, PayPal has become a household name and stands out in a crowded field of e-commerce payment processing options. The company’s policies and pricing are transparent and easily understandable for anyone who takes the time to read them.

PayPal Review Summary

Our Final Thoughts and Opinions

PayPal offers credit card processing and merchant services similar to traditional processors. Numerous PayPal reviews complain of poor customer support and communication regarding the company’s policies. PayPal is a huge company and in some circles has a bad reputation. In spite of this, the company remains one of the best options for easily accepting electronic payments and continues to gain popularity. PayPal is comparable in cost to many traditional merchant account setups but is much more expensive than merchant accounts under the Interchange Pass-through pricing model. Although PayPal has a lot of complaints, most of them are due to the fact that even the most inexperienced and naïve business owners can set up an account in a matter of minutes without understanding of PayPal is truly the best option for them. Overall, PayPal is a solid choice for very small businesses and new ventures who want to accept credit card payments with no commitments. PayPal can also be offered as an additional payment option alongside a normal merchant account and payment gateway setup.

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Customer & Employee Reviews

What Others Are Saying About PayPal

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1206 Responses

  • Paul R.

    I am unable to access my Paypal account with a balance of $750. I’ve had this account for over a decade with the same two phone numbers and same two email addresses on file during that entire period. My bank has had the same phone numbers and email addresses also during the past decade and my checking account from that bank is linked to my Paypal account.

    Starting earlier this year, I began getting two-step verifications requiring me to respond to an email link or text. I also completed two-step verifications by answering my security questions. I travel often between California and Mexico and accepted there might be some legitimate security triggering. However, next, the option to do two-step verification by email, phone or security questions disappeared and in recent months I now only get a 2nd step prompt requiring that I “Add a mobile number.”

    I do not have another phone number to add. Entering either of my two phone numbers – both of which I’ve had for over a decade, both of which Paypal and my bank have verified many times during that period, both of which are linked to my credit card – results in an automated Paypal message, “This number appears not to belong to you.” And, that’s it! I’m locked out “for security reasons.”

    Contacting Paypal support on several occasions went nowhere, so I finally filed a complaint with CFPB, the only US federal government agency even theoretically able to hold Paypal to ethical business practices. CFPB forwarded my complaint in which I requested any reasonable method to further prove my identity and-or simply be allowed to access my Paypal account. Paypal replied saying their terms of service allow them to restrict account access for security reasons, ignoring all of the points in my complaint that no legit security-identity issues could reasonably exist nor did they show any interest in my offer to “further prove my identity if needed.”

    Despite offering no remedy, CFPB closed my complaint simply because someone at Paypal had bothered to reply. Check out the link below about Paypal suing CFPB to oppose CFPB’s attempt to enforce compliance with honest business practices vis a vis Paypal’s new “digital wallet” offerings and it gives a clue as to why CFPB is fighting an uphill battle. Paypal is arguing that CFPB is attempting to “limit their corporate personhood freedom of speech rights.” However, as the thousand plus complaints here document – others here, – Paypal already has a reputation for unwarranted or fraudulent account seizures and “customer service” practices during the past 5+ years –

    I think we need to hope for a MAJOR CLEANUP of the US federal court system and the federal regulatory landscape to rebalance things in favor of honest business practices. Things have gone so far in latter-day Rome directions that absurd “corporate personhood” “money is free speech” concepts have been institutionalized, with corporate “limited liability” effectively now translating into “zero liability” and a “license to steal.”

    We keep hearing of promises to “Drain the swamp.” Let’s pray it happens. Meanwhile, guess I need to find a way to make $750 to make up for the $750 Paypal just effectively confiscated…y’know, to protect my account security.

  • Michael Lunney

    I ordered a 6 and a half practice putting mat thru a company located in China. After a long wait, I contacted the seller expressing my concern for no shipment and the fact that the web site was no longer active. I told the seller that if I did not hear back from them, I would escalate my complaint to PayPal. I notified PayPal latter that day as a precaution. The seller sent me tracking information the next day. After months of waiting, I received a pair of sunglasses and a case. I contacted the seller, wanting either the correct shipment, or a full refund. I was offered a full refund once I had returned the sunglasses and case and I must send it with a tacking number. The cost of return shipping was expected to be borne by me alone. The cost of this would actually be more than what I paid in the first place. I contacted PayPal and after weeks and weeks of waiting, they just decided that I would need to cover the cost of the return shipping as the seller demanded. The seller purposely sold me an item that they had no intention of sending and instead sent the wrong item. This is fraud, in my opinion, and PayPal is complicate. I have cancelled my PayPal account and will NEVER use them again for anything. I would advise anyone considering using PayPal not to, they are only about making money and do not give 2 craps about the consumers.

  • Joe Dovalosky

    Paypal screwed me out of 29 bucks of my social security check Screw paypal

  • Larry McKinney

    I was charged a foreign transaction fee by paypal for a item manufactured in the US. I file a claim disputing and they never gave me a reason for the fee. I provided them with proof from the seller it was manufactured in California. They closed the claim on me unsatisfactory for me. What can I do when they will not give me a reason for the fee?

  • Holly Kenny

    Hi, I have been trying to close my PayPal account for over a year. They say they need to verify my address and have asked for the following documents:

    As a regulated financial institution we’re required to collect and verify certain information about you. At the moment you need to verify your address, by providing us with a proof of address.

    What is a valid proof of address?

    We accept one of the following:
    – Notice of assessment, municipal property tax assessment
    – Canada Revenue Agency statement (e.g. requirement to pay, installment notice or benefits statement)
    – Financial Statement or Student Record from registered Canadian College or University (post-secondary institution)
    – A statement issued by a recognized government agency
    – Your most recent document received

    We do not accept:
    – Partial Documents.
    – Bank / Credit card/ loan statement.
    Please note: The document must show your full name and address as registered on the PayPal account.

    I am in Canada and have contacted almost every government agency that I can think of and none of them require PayPal to collect this information. Also they are not a regulated financial institution in Canada

    I am at the end of my rope and my institute legal action against them.

  • Tony

    I was a bit dismayed today when I was forced to sign up with PayPal to complete a federal government transaction. PayPal was unable to process a perfectly valid credit card and insisted it needed a copy of a statement for the credit card and a government issued picture ID. I did submit the statement hoping that would settle things, but they would not remove the limitation placed on my new account without a picture ID. They claimed it was necessary to validate the credit card, though the credit card has no picture. Seemed like a scam of sorts to collect as much personal information as possible. I decided to for go the government transaction and requested PayPal wipe my account along with the credit card info. They will not do that unless the picture ID is submitted. I am really disappointed that a government agency require PayPal accounts. I will not submit a picture ID, so my PayPal account will stay in limbo forever with the valid credit card information they have collected.

  • kostas inchenko

    In or about 2008 I opened a business account for my company to sell dresses online as I was working in the fashion trade. Around 2017 I retired and closed my company and decided to use the account for my hobby of coin collecting selling coins through eBay. I was not aware that I had to change my settings from business to private I carried on using the same account for over 3 years after I ceased trading with no problem until I got a massage that I was a dangers customer and my account was limited with my entire fund frozen from february this year.
    Money in my PayPal account has been held for 180 days to protect against the risk of disputes, claims, chargebacks, reversals or other liabilities. I am still waiting for your email to information me how to withdraw my money. it’s now close to 200 days now.

    I would like to talk to a human not just standard automated replies

    When i go to resolution center i get this massage

    You can’t use PayPal anymore
    At PayPal, we value a safer community for our customers to do business. We noticed activity in your account that’s inconsistent with our User Agreement, and therefore we can no longer offer you PayPal services.

    Reference ID: PP-009-167-544-359

    It is certainly a challenging time for all of us with the corvid 19 and frankly large conglomerate companies freezing and holding on to moneys of thousands people trying their best to survive is despicable.
    Shame on you PayPal you are a disgrace

  • Ralpj Duncan

    Paypay is trying to get copies of users drivers licenses and passports. They claim it is a banking requirement. My bank does not require this. Seems like they are inviting scamming.

  • Donna

    CLOSING MY PAYPAL ACCOUNT. I received a text from PayPal alerting me that my “$1,472.99 transaction is being processed.” I have not made any PayPal purchases in at least 60 days, and I have NEVER processed anything through PayPal that was more than $100. I immediately logged into my PayPal account and disputed the item. About 2 hours later I received an email from the PayPal dispute resolution team letting me know that my dispute was denied because “based on account history” the transaction was not unauthorized. I escalated my dispute to a claim. A day later I received the same email message. Apparently they believe I authorized this transaction without knowing it. The funds went to someone I’ve never heard of – I emailed both email addresses that appear on the PayPal transaction, no response. This transaction is marked for “services” rather than an item, so there is nothing that will be shipped/received. At this point I have disputed the charge with my credit card company, and I am closing my PayPal account. I have no idea how they determine that the charge was authorized, when I am telling them – in no uncertain terms – that I DID NOT authorize the charge. I’m wondering how often this happens, and for those that link PayPal directly to a bank account (rather than a credit card) how they hope to get their money back.

  • John Thomas Gavin

    What is the deal with requesting that you purchase gift cards to pay the shipper when they come to collect what you have sold them? Why doesn’t a purchaser arrange and pay for their own shipping?

  • Annabel Cox

    I have tried to get negative errors resolved by myself and with another agency but it was a wasted effort and it’s nothing compared to the excellent results i experienced with anonymous credit repairer art (g)m a i(l) • corm. When I first started with him, my credit was in poor shape with a few collection accounts that i was not aware of. I was looking for a home mortgage loan and was sure i would never get approved based on my scores, but with the help of anonymous credit repairer, all of the negative items were removed and i was able to get my loan.

  • Jerry Barker

    PayPal has the worst customer service I have ever dealt with, I made a purchase, the seller used a Tracking Number assigned to a neighbor 2 miles from me, The seller also gave PayPal the same Tracking Number on the items I purchased. They have been given enough information about this scam, but, still, side with the seller…I lost 70.00…I would tell everyone I know not to use PayPal. I’m moving on…P.S. BBB A+ rating, an effing joke

    • Yvonne V. DeRoos

      Same thing happened to me. I used PayPal to buy a bbq online using PayPal to facilitate the purchase but never received it. The seller sent a UPS Proof of Delivery without a specific address to PayPal and my claim was denied

      • Daniel Robbins

        I resently had an issue with Netgear. Resently cut the cord to cable due to their pricing rises, policy change now charging if you leave your contract early you get a penalty like the satellite phone companies do. I worked in cable tv 20 years. They used to pride themselves not charging customers those kinds of fees. I git a netgear modem and router which you control with their knight hawk app. Fir their higher prices equipment. It cones with their armor bitdefender internet security and anti virus. . New customers get a 30 day trial period. It advertised a Christmas special price at a low $29.95, normally $69.95. I thought wth? so instead of using Norton 360 which starting this year after decades being free gir comcast customers. I have internet. . . 3 days later I get a text negear authorized a $39.95 charge. Long story short. Paypal dsud I subscribed. So it’s ok they did that. I said when you pay for 1 year subscription all the companies simular, and like the fine print said on the advertisement, that I have 1 year to cancel otherwise I’ll get another 1 year subscription at full price next year. And even if was my fault and I misunderstood the deal. Their website has 30 day money back guarantee. Ok, I don’t want your product at fill price when I can get my always give Norton 360 at 50 off for conxadt customers this 1 tine. Cost fur 1 year, $15. 00. No one at Paypal 9r netgear will refund me

  • Michele A Ackley

    I sold an item on E-bay and the funds were sent to an old Paypal account. I however used the new paypal account for this transaction with all my current banking info. When I purchase from e-bay it comes out of this account without a problem! Now when I want to receive my funds Paypal is giving me a very hard time asking me to verify the last 4 digits on the card # from over ten years ago! Now I don’t know if I’ll ever see my money!

  • KC

    I bought an item from a seller who sells an item that they couldn’t deliver. I chose PayPal to pay because I thought I could get an easy refund when the seller couldn’t deliver.
    But I am so wrong to trust PayPal. They side the seller, who is obviously a scammer. Because after months of dealing with them about one purchase, suddenly all negative review about the sellers pop up on the internet. Many consumers like me had been conned.
    But PayPal chose to do nothing and let the seller keep the money. PayPal is disgusting on handling this.

  • Angel

    I don’t know WHO reviews your Paypal financial process. It seem like accountant department has A LOT of improvements needed. Ie.. When a customer refuse a transaction from a FRAUD merchant, and buyer states it’s a FRAUD. The Paypal accountant department should HULT all transaction and investigate then respond to buy and not to say WAIT 15 days, ( I’ve waited but PP continue without any remorse for customer support merchant.) 20 days pass do date and over couple month to received, even when buy wanted to cancel the order. That’s why I say CEO/ FEO must have gone to same schooling as Wells Fargo. Treat customer like your toy.

  • ROB

    on the 14th of may 2020 i escalted a claim with paypal as i could not get any correspondance from the seller. i purchased a dual camera dash cam set up for my car fully branded blackvue cloud 4k uhd. i screen shotted the web page as i always do when i purchase something and low and behold 4 weeks later a single unbranded cheap looking tiny camera turns up absolutley no resemblence to the advertised item. no contact back from the seller so i escalate to paypal. its now the 23rd of july 2020 thats 11 weeks ( 77days ) and still no resolution. i gave all the information to paypal photos of advertised and recieved item all the messages sent to seller which are very detailed and today paypal ask me for more information on the difference between products.
    clearly i have been scammed and paypal are not interested in giving me my money back. thay are just dragging it out hoping i give up my $70 PLUS DOLLARS. i have now told paypal i want it back in 7 days or i will start the process of small claims court action.

    • Jim Forbes

      Before I shutdown my PayPal account and moved most of those types of transactions to Square-Up, it was becoming obvious that PayPal may in fact may be a party to the scams. It serves them no purpose to hold out refunding on what is an obvious scam if they truly have the customers best interest in mind. Everyone needs to remember that PayPal is not a financial monster, in fact they are much smaller than you think. I also believe that PayPal is in financial trouble. Since only so much business is out there and the competition has increased five fold it would make sense that things are not going as well as they might have expected.

    • Sharon Raso

      It happened to mr two times! I want to help stop this scam!

  • jake

    i agree paypal is a complete joke, nothing but idiots working there.

  • Loren Lockman

    I run a health retreat and also offer coaching services and have been using paypal for 20 years. We run several hundred thousand dollars/year through paypal and have been growing. With a large project looming as well as income taxes, end of year bonuses, and payments on several real estate contracts (we are working to create a nature preserve to protect land here) paypal recently closed my account with no warning and tells me that they will hold our funds for 6 months. I cannot pay my taxes or meet my obligations on various contracts I signed and am in danger of losing more than a hundred thousand dollars in option fees if I can’t perform on the contracts. I am struggling now to stay afloat and paypal refuses to tell me why they closed my account saying only that we are somehow in violation of their terms of service even though we are doing exactly what we have always done and have changed nothing.

    It seems clear that because of the high balance in our account, paypal has shut us down to take our funds and use them for their own benefit.

    I would certainly Not recommend paypal to anyone and would suggest finding another provider.

    Their behavior is despicable and they should be shut down for defrauding costumers.

  • Obstacle Girl

    I have been a paypal customer for 10+ years I have an online business that offers returns. It is very upsetting that beginning May 2019 if a buyer returns an item I as a seller don’t get my sellers fees back> Paypal keeps the money they charged me for the original purchase yet when returned and fully refunded they keep money for themselves claiming it is the cost of doing business and Paypal is conducting business as industry standards. I do not know any credit card company that when I return an item they charge the merchant a % of the actual purchase cost which could. I would like to file a lawsuit against paypal as keeling money that doesn’t belong to them and they are entitled to charge the .30 per return transaction as they did before but not many $$$. Does anyone know if a lawsuit has been filed yet?

  • Jason Pare

    PayPal policies are known and used by scammers to help rip off the consumer. The merchant sends anything to get a tracking number from ups. You get the tracking number from ups, but ups won’t give you any information because your not listed on the tracking number. You call PayPal because you didn’t receive your items, PayPal contacts the merchant, the merchant uses the same tracking # to say it was delivered when it wasn’t. PayPal then puts it on the customer to get information from ups to prove it wasn’t delivered, instead of making the merchant give details about the delivery. The merchant can contact ups, but the customer can’t get any information. The scam artists know this and are using it to there advantage. Because of this, my credit card provider said they’re taking the money back from PayPal, instead of the merchant. Maybe if PayPal keeps having to pay, they may start screening their merchants better. I got ripped off my first time using PayPal, and PayPal did nothing but run me through hoops, and still didn’t refund me. Save yourself the headache and aggravation, NEVER USE PAYPAL!

  • Tenea Oneal

    I find PayPal to be a despicable company often. Anyone who pays attention will find that they’re accounts often have issues during weekends and holidays. I believe this is Paypals way of keeping track of how much money it retains whether it be yours or mine. Also when attempting to resolve any issues you will often be ignored or hung up on. The resolution center is a joke. I was told by one of their employees that there is no actual resolution center. I was also told that theres no reason to call because nothing more will happen

  • Pamela Brandenberg

    I was scammed by an overseas seller before Christmas. They furnished a fake UPS tracking number to Paypal, which generated a fake delivery receipt. Paypal refused to help even though UPS confirmed that the number was false, just because Paypal had the “delivery receipt.” This is a great tool for scammers. Paypal closed my case and refused to even acknowledge that I never received my order. Very poor service.

    • doris kearns

      I think it is a employee working at paypal who doing the scam

  • PT

    I’ve been a long time member of Paypal. Buyers protection is the only reason why I use paypal. Lately, Paypal have s******* me and my money over. They’ve let TWO sellers took my money and I am left empty handed. I’ve never recieved the product that I’ve already canceled, money was taken out, and I was trying to get a refund. Seller claimed refunds but I’ve never recieved my money back. Paypal denied my dispute so seller gets to keep my money and I am left empty handed. I am canceling my Paypal account after I file a dispute with my bank and get my refund. This wasted my time and its a longer process for my bank now.

  • Rocky J Palmisano

    Been a thrift store goer, picker turned eBay seller for 18 years. Up to this point had also been with PayPal for 18 years alongside eBay. I have never had account issues, problems with refunds, customers etc. eBay record 100% feedback for years, very little to almost no complications. In June of this year I began purchasing unpaid storage auctions. Things were picking up, my inventory and eBay sales were booming. The third auction had gun smith items. I checked my state and local laws and although ebay did not allow the sale of ammo, does. After two sales, maybe $100 combined I get an email from PayPal stating I violated TOS and that there is no recourse. I had no idea I could not accept payment for ammo. I have never sold a firearm in my life to this day. It is my fault for not reading the always changing TOS but it is their fault for not taking my long standing account into account for something when I rely partly on eBay and was planning to rely more heavily on it in the future until the suspension. You don’t want me anymore fine. I had another account that was for beef jerky sales. Did I ever use it for eBay before being suspended? No, never once. Did I after I got suspended. Of course, trying to survive. They closed it. But they took the email associated with it and merged it with my “main” account if you will but they did not merge the balances! I will be calling them. I had $262 in one account and $390 in the other. The one with $390 I can no longer long into it, its email logs into the one with $262 and the $390 is gone!!

  • Pop Robert

    Hello everyone. Before thinking of using PayPal to sell one of your items(even worse if it is a digital product, like art, you MUST know that they will HOLD your money even after you delivered product and confirmed it’s delivery(some complain about holding their money for more than 21 days!!!). This can also help SCAMMERS(you delivered the product – being a virtual item, so you won’t be able to make “proof of delivery”. In the meantime, the buyer(scammer) will ask for a refund to paypal, you will LOSE your money and your SOLD product!!! I will never use this company again.


  • Farhad Mir

    Don’t ever use PayPal for your transactions. There is a good chance you will lose money as it happened to me when the buyer disputed the purchase after two months, and just based on verbal allegations without any viable evidence, PayPal dishonored the the purchase transaction and refunded the buyer. The buyer alleged the merchandise was not as described whereas he had signed a contract agreement and confirmed the merchandise was sold in an AS-IS condition (I submitted that evidence to PayPal). PayPal’s action was incorrect and unfair. I lost $2000 plus it lowered my credit score by 40 points. At the end the buyer got the money back he paid through PayPal and is still keeping the merchandise. All that was the result of my trust and good will toward PayPal which proved to be absolutely a wrong thought.
    Lesson learned: PayPal is not trustworthy to make business with if you do and get into disputes you will be the loser.

  • Carl Thomas

    Please close my pay pal account and I will promise to avoid using pay pal in the future. I recently had a dispute with company (office 365) because pay pal made a payment to them and we never received the ear buds we paid for. Pay Pal gave us contact information for office 365, we contacted them and they gave us a tracking number. After chasing down the tracking number provided by office 365, we learned the tracking number was not our product and was delivered to another address. It was a tracking number for another order from another person. We called pay pal back and filed case. Pay pal contacted office 365 and gave us the same bogus tracking number office 365 gave us. Pay pal closed the case. We were on the phone running in dept to dept before pay pal hung up on us. This occured 4 times. We did not receive our product and we did not get a refund. Pay pal is not interested in making this right.
    PayPal Virtual Agent 10:47 AM
    It looks like you want to file a dispute for an item that you haven’t received, is that correct?
    Carl Thomas 10:49 AM
    PayPal Virtual Agent 10:49 AM
    I’m sorry, I couldn’t find any transactions on your account within the last 180 days. If you need further assistance please contact us.
    The payment you are looking for may be on a guest account. Please Contact Us by phone to discuss this payment.
    Did this help resolve the issue or question you had?
    Carl Thomas 10:49 AM
    No, I need more help
    PayPal Virtual Agent 10:49 AM
    I am sorry to hear that.
    I can transfer this conversation to an agent. The estimated response time is a few hours.
    After I transfer the conversation, you can close the window and come back to it when it’s convenient for you. When we respond, we’ll send you a notification with a link to the Message Center where you can reply.
    Would you like to transfer this conversation to an agent?
    Carl Thomas 10:50 AM
    PayPal Virtual Agent 10:50 AM
    Please send us a detailed message below and an agent will respond as soon as possible.
    Carl Thomas 10:50 AM
    Close my account.

  • Kaveh

    Pay pal is crook and totally scam company that hold u for days and take some fee of ur money and my u are lucky get remaining back within god knows how long.
    I been waiting for $1500 from familly for last 5 days I was on phone 20 or more hours and every time I get different responses and different transactions I’d.
    I pay $55 fee and $10 for instant transfer for same day but haven’t revived a money .
    My bank usualy temporary credit me for pending trans but they couldn’t find out anything about this transfer and they were corect bc know they saying money send back to wrong sender .
    They mixed up reciver and sender and not even one smart person in PayPal can figur it out.
    MSNAGER SPOKE TO RICHARD ID :1631166 he promised found will available in a day or tow
    1- Sean manager who lied to me instead of transferring a money he send it back to wrong sender.
    2-crest he is confused and won’t trust him to walk my doge for a minut bc he can’t even look at system and figure out who is sender or receiver
    Also customer service in India 🇮🇳 they have no clue whatsoever about problem we are dealing with
    Alex Is : DALIX
    PUTS ME ON HOLD 2 hours instead transferring to manager.

  • Claribel

    Wow, the worst Debit card company,1rst they card get wrong the second week, Customer Service baaaad! If you speak Spanish don’t get this card they don’t have Spanish customer service for the most they service, if you have problems with your account in holidays you’ll don’t have any way to fixed!!! The last time I call them for help in Spanish the customer service girl was pretty rude!!! Is a nightmare trying talk with them…. I’ll close my account

  • Kaveh

    Never do business if you have an emergency situation with PayPal this is the most corrupted institution to transfer money with.
    I have send the $1500 I’ve been waiting five days and every day I called it’s just unprofessional and stuff with no knowledge and they keep promised something it do not exist and haven’t got the right answer after 4 days

  • Craig simpson

    I sold samsung galaxy s9+ on ebay not knowing that the funds were going to be held by paypal. And sure enough’s it was. I got s****** two years ago with selling item and they would not release funds becouse of type of debit card I was using and I waited to long to get a different debit card so PayPal pocketed it. NiCE. Now back to present sale the day comes to get my funds for phone and I hit the button to release them to my account and then a prompt pops up saying funds have been refunded to buyer, no second prompt to make sure of my action nothing. Just prompt that buyer has my phone and now has my money. Called ebay no help called paypal of course no help there and called police no help the either. They say buyer and seller are both protected. Bull crap. They are crooks.

  • Brian Bauman

    Do Not Use This Company!!!
    Worthless company who auto filled my shipping address from 5yrs ago even though I changed it twice and can’t resolve the problem so I lost $48.00 in product being sent to the wrong address

  • Rebekah Morris

    I purchased a paypal debit card for my God son, who has Down Syndrome. Trying to make it as easy as possible for him. As I was activating the card, I was informed that there would be a 4.95 charge per month. I had already paid 2.95 for the card. No where on the front package does it reveal this fact. Very sad ploy you use. TOTALLY DISSATISFIED CUSTOMER

  • Scot Silvers

    PayPal are pieces of s*** liars. I stayed in a hotel and used my. PayPal cash card for the deposit. That was on the 11th. Today is the 19th and they still haven’t given me back my $100. They tell me it’s the hotel. I know better because i stay there every week using a different card and i get my money back in 2 to 3 days. And now every time i call them, after being on hold for half hour someone in some far off country hangs up on me because they can only tell me a lie. I’m in northern Indiana where last night the temperature was barely above zero and i had to sleep in my car because i didn’t have that $100 back on my account for the next deposit. Do you think paypal gives a fuck if I freeze to death? They should be shut down and prosecuted for stealing money. I would be if i did it. Whoever just gives them the power to do as they please with our money. They are f****** crooks.

  • Hannah Krause

    This company is a bunch of lying
    Pieces of crap! If you order a pink shirt customize with I love mommy on it and get a shirt that says I love Pete they can’t prprotect you because, it’s custom made! I ordered a cake from this Sara Porter woman a cake for my Grandma who just had a stroke not to long ago and ordered a cake with lace red corset middle and poinsettia I get a white cak that looks like it. went through a car crash! No corset the flavors I ordered she didn’t do!

  • Raquel Tirado

    I don’t understand how my case was denied after having enough proof of never receiving the package along with the tracking number being nonexistent according to the post office who never delivered it. Another issue is leaving my call back number to avoid a 40 minute wait for customer service, a week passes by and still waiting. So basically believe the merchants who lied and scammed the customer, but not believe the customer to paid with real money? Simply because they said they sent it out, you say you’ve done your part? I have surveillance to prove they never came.


    Suck paypal customer service have no manner to a customer like me. After I share my struggle to get what I deserve which is money after I sold and ship my stuff on Ebay. The representative name is Chris. He is one of the supervisor able to make decision. His employee number is 1630577 shame on PayPal making him one of a supervisor. He doesn’t do his job and he need to get fired because of.he dont have any respect to customer and since hes supervisor perhaps he think hes a PayPal owner. Just an alert to other user. If you called and they send you to supervisor by the name Chris 1630577 ask to talk to someone else. He won’t do his job right. Dont be a customer service if you dont know what is customer service meant. I will make sure others media know about you. You like to ruin other people life. Karma will goes around. Trust me

  • Alafair

    Don’t ever use this greedy evil company. I sold an item on ebay and the buyer paid via PayPal and PayPal REFUSED me access to my funds.
    So I am out 600 dollars. I spent a day and a half on the phone to PayPal only to be disconnected no less than 10 times. They could not tell me why I could not access my funds. And ALL their customer service people are in India and none of them could not care any less.
    Pay pal didn’t use to be like this so now I will never use them along with Google and Amazon. #greedymonopolies

  • Rod

    Been selling on E bay since its inception. Have been a PayPal merchant since early 2000. Both companies are no longer considered reputable companies. Both have gotten very greedy and could care less about their customers. PayPal’s latest scam for them to get free money is to no longer refund the 2.9% merchant fee they charge to the seller for every sale. I listed a exercise machine on E bay for $950. It was listed as a PICKUP ONLY ITEM. Some idiot buyer with only 2 feedback rating decided to click on “Buy It Now” and then sent me a message asking when I was going to ship it to him. I responded by immediately refunding his Pay pal payment or at least I thought I had refunded it. What really ended up happening was Pay pal implemented their new “NO FEE REFUND POLICY” and kept the $29 fee from the sale. Because of this my Pay pal account did not have sufficient funds in it when I issued the refund. It was short by the $29 fee) So Pay pal automatically refunded the idiot buyer using an E-check from my liked bank account. I did not know this at the time because like most people I don’t keep track of their many policy changes. I found out later from my bank that an ” E-Check from Pay pal had bounced for insufficient funds. Pay- pal tried to make this E-Check withdrawal not once but twice, each time costing me an additional $25 in charges. So now this one transaction that I did nothing wrong has cost me $50 in overdraft bank fees plus the $29 PP fee. This new policy is ludicrous. I hope they get sued by a greedy attorney. Its a slam dunk for a lawsuit.
    It’s straight out theft! If it were legal than Visa and MasterCard would all be doing the same but they don’t because it isn’t legal.

  • Alex Ti

    Permanent Limited Account !
    My PayPal account is since 10 year with perfect record, never did something intentional against theirs policy and rules . Now they Limited my account without any explanation or visible reason . No one want to help me or ether respond to my request !
    I have previously requested a review/appeal of my case which was denied. Although i still disagree with the decision to deny my appeal i will abide by it however because i feel that holding my founds for 180 days for a non- fraudulent violation of Paypals Acceptable Use Policy is excessive and perhaps a punitive abuse of power.
    That is the worst experience i ever had so far.
    Paypal policy and theirs customer service are absolutely not acceptable ! They do discriminating our civil rights !

  • Ricky

    I had an account with PayPal but closed it because I wanted to buy a headphone for $89 from Best buy. I decided to go with the credit line paying over 6 months so it wouldn’t hit my account all at once. I thought the interest rate was pretty high but I said maybe it will help my credit score. Well after a few seconds I was denied. I don’t have the best credit score but it’s not real bad either. So I said screw PayPal why do I need them when I can order the headphones using my debit card.and avoid any fees.

  • Gretchen Gram

    They added a limitation to my account on Monday and have yet to fix it or tell me how long it will take. I give them a grade of F overall.

  • Thomas

    Not fair at all holding other people money for some ridiculous excuses.
    Remember paypal that’s not your money. You dont have the right to hold anyone hard earn money.

  • Sean Kiernan

    I can’t understand why anyone would give a good review to these or how they continue to do business. They waited until there were funds continually going into account then froze me out saying I had to provide details. Although annoying I understood and done it but then they said I had to zero the Ballance of someone else’s account. WTF? I contacted what they call customer service and they just keep send the same email over and over again 😠. I asked what have I ever done in THE YEARS I owned my own account but they refused to answer this. Yes they are great so long as you don’t have large amount of money or transactions going through it’s here they WILL ROB YOU. Don’t say you weren’t warned. Share this to save other people there are plenty of other providers that are better and cost less.

  • Miki

    I foolishly trusted PayPal to protect…
    I foolishly trusted PayPal to protect my purchases as a loyal customer. Instead they prefer to protect SCAM- fraudulent companies.
    I reached out to the Dispute department to handle a purchase made that turned out to be a Scam. They denied it with clear reasons for my dispute. Costumer service is Awful and with No explanation they refused.
    I’m a Very disgruntled with the service. I’m canceling my accounts along with my house holds accounts. 5 account holders.
    I would persuade you to use your CC for purchases, they will dispute any fraudulent claims. And stay clear of PayPal.

  • Joey Gutierrez

    What a scam use Venmo or zelle

  • Nicole conner

    I’ve been trying to contact customers service for two days now.. they put me on hold never came back to the phone the first day. Which was yesterday. Today they call me back and I couldn’t hear anything. Then they call me back and all I hear is everyone in the back ground. As if the rep just held the phone.

  • Paul

    RIP OFF!
    started taking credit cards for my flooring business turns out PayPal holds the funds for 21 days! Can’t run my business with PayPal sitting on MY MONEY!! Closings the account.

  • Rigel

    Paypal might as well face another class suit because of their ineptitude and or class act of pretending to safeguard your account by freezing when “they spot an unusual activity”. I received an email indicating that I needed to reset my password because of an unusual activity. Logging in was never a problem for me but they indicated that I have “verify” some information for them to validate if it’s “really me”. Now that was the catch because they had me looping in that page because the PASSWORD RESET SECTION IS LIMITED TO : 1. CONFIRMING THE CREDIT CARD I HAD ENROLLED WHICH I NO LONGER HAVE AND 2. SENDING A TEXT MESSAGE TO MY PHONE NUMBER WHICH I NO LONGER HAVE. THERE ARE SUPPOSED TO BE 3 WAYS TO RESET YOUR PASSWORD, NAMELY: RECEIVING AN EMAIL, ANSWERING THE SECURITY QUESTIONS OR RECEIVING A CODE THROUGH TEXT. They ingenuously removed the first options to that I cant proceed any further. Any attempts to contact them to file a complaint can’t be done because you have to log in to the account in order to send an email. The idiots at Paypal can’t hide from that smokescreen forever. Hear this Paypal: CLASS SUIT

  • Angelita Ritz

    I purchased a dress from a company called SeetheDress which was so poorly made it looked nothing like the picture they showed. PayPal denied my claim against the company despite pictures clearly showing my issue. They say it’s not “materially different”. I wanted to return the dress and have been unable to do so because the company won’t respond to me.

  • Julie

    I had a very disappointing experience with PayPal supporting a company from China who is falsely advertising and using immoral business practices. I made an order with this company from their website, clothing that looked very appealing and seemed of good quality from the photos. It took the package 30 days to arrive. The clothing was the wrong color, size, and looked nothing like the photos.
    I emailed the company many times, asking to return the items with no address or offer for me to return the items. They offered me a $6 gift card while I had spent $157 with them. They finally offered for me to return the items but still did not give me an address and claimed that the chance of them actually receiving the return would be very low.
    I contacted PayPal for assistance. PayPal gave me an address to return the items. I took the items to USPS to be shipped and discovered it would cost me $60 at the cheapest rate possible. I tried to report this back to PayPal, as I am not sure how it is fair for me to pay more money to return items that may not even arrive, but they had already moved forward with the case where I could not add more information to my case. They closed it quickly after that and will not reopen it.
    I attempted to open a chat with them and the person closed the chat also. It is very sad that PayPal would rather support a Chinese company who is scamming people with false advertising than their own customers.

  • Elizabeth Ann Reagan

    I went to my profile on PayPal requested a transfer of $50 to be sent to my daughter it asked me if I wanted to send $50 to my daughter and I said yes PayPal sent the $50 to an unconfirm number. The is an old for my daughter, she had updated her new number but a glitch in the system will not let her delete the old number. so the person they sent the money to will not refund the money and PayPal will not honor the transaction and reimburse it because at some point in time that number had been confirmed in her account which makes no sense to me I have spent hours on the phone with them they have not helped in any way to recover my money they do not understand when I tell them it was an unauthorized transaction because they sent it to someone I did not authorize them to send it to with that being said I’ve had to go to my bank file an unauthorized transaction with them I have filed a complaint with the better business bureau and now I’m filing this report I feel that PayPal is not a secure way to send money and that they are allowing people to steal other people’s money and possibly identification. The sending the information to the cell phone to confirm is not secure phone numbers get changed.

  • Victoria Barnes

    My friend paid me $85 through PayPal as a reimbursement for some theater tickets I purchased for both of us. When I received the email on my iPhone from PayPay notifying me that I had $85 waiting for me, I kept clicking on the “ACCEPT MONEY” link, but nothing would happen. I even used the computer at the library, but the PayPal link wouldn’t work there, either. And of course the $85 was not showing up in my bank account.

    I tried to Chat Online with PayPal, but could never get anyone to respond. Likewise, when I called the Customer Service line, the recording stated there would be an hour’s wait time to speak to someone.

    Two days later, I called again and reached a person after waiting on hold for 45 minutes. This girl had a thick foreign accent, was chewing gum while she talked, and spoke very rapidly. When I asked her to slow down or at least remove her gum she ignored me. I finally understood that PayPal had not transferred my $85 to my bank at all. Instead, they had used part of the money to pay for a concert ticket I had purchased several days later, which I had charged to PAY PAL CREDIT. The balance, $27.50, was STILL sitting in my PayPal account. The rep said it would take 7-10 days to move that money into my bank account. When I asked to speak to a supervisor, the gum-chewer laid the phone down and forgot all about me. Nowhere on the PayPal website was there anywhere for me to email them or complain. Obviously they don’t care about their customers. I’m through with them.

  • Teresa Gill

    Had an Paypal account since 2015, recently applied Prepaid Visa to account and immediately received email stating I had donate to an organization. Contacted them as well as Paypal. It was refund by organization however Paypal replied saying according to there review that the amount wouldn’t be cover. The amount was not a lot…it was not the issue. My concern was why or how it had happened. Paypal gave me no explanation other then to say it wasn’t there problem. I am just thankful I hadn’t link all my financial info to this site. When researching online I seen many such complaints of Prepaid Gift cards and Paypal and the amounts on these cards disappearing from people’s accounts. I am so wary of Paypal’s security and lack of concern to establish how it happen I have delete my account.

  • Tony

    The worst customer service I have ever been exposed to.
    Tried to add a credit card to my account but was getting an error message. The tech support made me call back at least 8 times and after canceling my account then having me open up a new one I still have the same issue. Asked to speak to a supervisor & never received a call. THE WORST!

    • Rebekah Lawal

      Let me tell you about my experience with PayPal December 2019 I received a an E check from my employer on December 10 I was told there was a hold on the check before it can clear Through the bank. When I talk to customer service and one of my 28 calls and messages to them I was told that yes it’s standard just as if the check would go through my bank ((which takes less than two days)).
      I was told that it could take up to six business days before the check is clear but more than likely on the third business day the check would be clear. Today is December 17 and today after seven days the check was cleared. Then I decided to transfer all the funds from PayPal to my regular bank account which is what I wanted initially and I was told that I would have to pay a fee of eight dollars or PayPal services which I did.
      Let me tell you how archaic and how rude How unthoughtful and how regimented their customer service is there was no compassion no understanding whatsoever….awful system.
      To add insult they then sent me a notice saying yes your funds have been sent to your bank but we are putting a two day hold on that and your transfer is pending so 10 days later I mean seriously why is this company even in business.
      Business of taking advantage of customers as soon as this money is transferred in my bank account I will delete PayPal and never ever ever ever ever recommend them to anyone this has been so ridiculous and so lame.
      The system that they have is broken it needs to be revamped and revised I cannot believe the customers would even recommend them or even do business with them I would never ever recommend them terrible terrible terrible experience.

  • Duane Medley

    I made many purchases through PayPal some to no avail. All resolutions made through my own banking institutions.. Buyer beware paypal only guarantees sellers payment but not the buyer (YOU)

  • Christina Southard

    STUPID And HORRIBLE!! Been using my account, paid off my special financing charges of $255.30 to save interest, clears my bank same day! Great can use my credit to go BLACK FRIDAY shopping! NOPE! they pur a hold on my account after making every payment on time and then paying off my special finances in full!
    I went to buy my daughter a gift for Christmas can’t use it!! Nope they want to review my account and won’t release my available credit till 12/4 5 days after Black Friday and 10 days from the time that money cleared my bank! Stupid! No one can release the hold ! Stupid!

    Closing my account and won’t ever use PayPal again too many pay apps available! Stupid! Biggest shopping weekend of the year but can’t use my account!!

  • Kenneth Nicely

    Oct. 12th 2019 I ordered a bedding set on a website called ran by a guy named (Nguyen Ngoc Hung). Their site said they was based in TX. After a week of no emails nor tracking number I emailed this website and got no reply after two days. So I used the email provide by Paypal with again no reply.
    Oct. 22nd 2019 Looking at their website under shipping said “How long will it take for the buyer to receive their order? On average, merchandise is produced and shipped from our facility 2-3 business days after purchase. Standard shipping/transit times apply (5-10 days for domestic and 7-15 days for international).” Knowing this I thought I should have got the item by now so I used goggle maps and the address provided by this website (1116 N Pacific St Mineola TX 75773) and found something odd. Goggle maps showed a different company by the name This different company’s website had a phone number so I called and talked to a woman named Lydia who ran the accounts there and told her the problem. To my surprise she had told me she had other phone calls about the same problem that they told this seller from the website I ordered from to change his address that it wasn’t his business. Hearing this I knew this was a scam and was using this other company’s address as a front, so filed with the FBI, FTC, and Paypal.
    Oct 23rd 2019 I get a email from someone named Selena ) saying my order was shipped out of SHANGHAI -CHINA . Looking at this new website I found that this address listed on their website (814 mission street suite 600 San Francisco 94103) belong to a company named ThoughtWorks.Inc on goggle maps. Telling Paypal this was a waste of time as I was told I had to wait to get the item which came from CHINA.
    Oct 25th 2019 I noticed I could no longer gain access to the site . Not sure if they blocked me or if it was taken down.
    Oct 29 2019 I received the item and wasn’t even close to what I ordered. I could tell something was a miss just by the size of the package so I grabbed my camera and started recording myself opening this package. In this package look to be a yellow sheet set so again I called Paypal and told them about it and even told them I recorded me opening it. They told me I had to wait another 10 days to have the seller respond. I asked this rep to put a supervisor on the phone that I have been waiting 3 hrs. and have been transferred 3 times. A supervisor by the name Jason ID# 47843 told me they have my back that he will look into it personally as I told him I was recording him. He told me not to worry to just wait the 10 days and I would get my money back.
    Oct 30th 2019 I get an email from Paypal saying I have to send the item back to the seller only this time it wasn’t the SHANGHAI -CHINA address they gave me, It wasn’t the TX address address where the seller said he was, it was Nguyen Ngoc Hung No 1/305/7 Ngoc Thuy str, Long Bien Dist, Hanoi City, Vietnam Hanoi, Longbien 100000 Vietnam.
    Oct. 31st 2019: So after doing a little research with the Vietnam address I called Paypal back and told the rep She was being recorded and told her “you do know this address points to a restaurant called “The Cover” in Vietnam? Don’t take my word for it, Google it.” So she did and gets back on there saying “Your right, but that’s the seller’s email and address he gave us so ship it there.” I then asked her about the shipping cost which she replied that Paypal will refund shipping cost up to $30.00. I took the package to the post office and not only did I have to sit there and fill out a customs form but it cost me $38.75 to ship it. (Tracking number: LH079022800US). (Pictures of the package, post office receipt, and customs form taken)
    Nov. 1st 2019, Just received a email from Paypal that they are paying me $30.00 of the shipping which means I’m out of $8.75 that I won’t get to see. So now I have to wait til this seller gets the item and found out what my next hoop is that I have to jump through.
    Nov. 7th 2019: I noticed that Paypal changed the Estimated case resolution from the 8th to the 11th. I called Paypal and asked why was the date changed? She told me it was to give me more time for the package to be delivered to the seller.
    Nov. 8th 2019: I noticed the tracking number showed the package has not moved from HO CHI MINH CITY, VIETNAM in 3 days now, so I called US Postal services and talked to a Sara. I told her the problem and she told me Vietnam postal service is different there as they don’t need to update the US postal as if the package was delivered or not. Knowing that Paypal won’t give me my money back until it is confirmed delivery I called Paypal to let them know what Sara told me. The Paypal rep told me she will submit a ticket to their post office in vietnam and find out what is going on. She also told me I could track it through
    Nov. 9th 2019: Again Paypal had changed the Estimated case resolution to the 14th now.
    Nov. 11th 2019: Compiling more info and going through all the emails I noticed one of the emails to the seller I sent on Oct. 20th. The email that it was sent to had changed from [email protected] to [email protected]. Going to google I searched the address and find an index with the names QuiltFluffy and a QuiltSilky. Searching the QuiltSilky I found the website had a 404 error but the address of the business still showed on the website so I searched it and found it was a laundromat called Brookside Laundromat at the same address.
    Nov. 12th 2019: Paypal changed the Estimated case resolution from the 14th to the 17th. Called Paypal to found out why they change the date for the 4th time. I talked to a Hazel and she told me they will know something with-in 3 more days then asked me if I had contacted the customs to find out why my package was being held even tho I already told her that the last Paypal rep I spook to told me she was going to send them a message to find out that I received no email nor phone call letting me know anything.
    Nov. 15th 2019: I notice I received no emails or phone calls from Paypal after the Paypal rep Hazel told me in 3 more days I would get my money. When I logged into Paypal I saw they changed the date yet again from the 17th to the 20th. So I called Paypal and told the Rep what the other Paypal rep told me 3 days ago and she had told me this wasn’t the right information she told you. I asked to speak to a supervisor in which case I put on hold for a good bit of time. When the supervisor Jay ID# 153514 got on I told him what had happened from start to now. He had told me I had to wait til the item has reached it’s destination before they could refund my money.
    Nov. 16th 2019: I sent Dan Schulman (CEO of Paypal) ([email protected]) a email telling him he needs to look into his company and why. No reply, Yet again Paypal has changed the Estimated case resolution from the 20th to the 23rd, making this the 5th time Paypal has changed it.
    Nov. 18th 2019: I emailed econsumer asking why I haven’t heard back from them. The next day I get a reply Thank you for contacting eConsumer. We do not pursue complaints on behalf of individual consumers.
    Nov. 19th 2019: I emailed Vietnam Post ( [email protected]) asking why my item hasn’t moved since the 13th of Nov. So far no reply.
    Nov. 21st 2019: Yet again Paypal has changed the Estimated case resolution from the 23rd to the 26th. This is the 6th time they have changed it.
    Nov. 25th 2019: Yet again Paypal has changed the Estimated case resolution from the 26th to the 29th. This is the 7th time Paypal had changed it.
    Nov. 27th 2019: Yet again Paypal has changed the Estimated case resolution from the 29th to Dec. 2nd. Looking at the tracking number the package hasn’t moved since the 13th.

  • James King


    Screw PayPal…

    Here is why we at do not use PayPal…

    Simple reason. Because they constantly freeze our company’s assets which we as a small company need…and are in fact critical…to the survival of our company. you see, in business a company needs to pay out it’s overhead…compensate the employees that work for it, pay the utillitiy bills incurred by the company, pay for the goods that said company buy at wholesale pricing and resell at retail for a profit, incidental expenses, and any other expense incurred. When you freeze the monies of a small business in such a way without any good cause, justification or merit…what this effectively does to the small business knowing this treatment…forced in essence to use PayPal because the company has an iron grip upon the “Payment Processing Market” it basically having a monopoly on that industry…to starve. A small company or a startup cannot take having its capital held for very long…the employees that work for it start to want to quit because you can’t pay them…because your account is frozen…suddenly the business cannot afford to restock the shelves with product which it buys at wholesale pricing to resell at retail because, even though the company rocked and sold it’s wholesale merchandise for a profit…that company is prevented from getting new merchandise in and restocking the shelves because paypal has it frozen.

    The small company dies and paypal lives…


    You ask…

    Simple because they are gambling with it and may not have it at all…
    The fundamental question seems to be this…

    Is there gold in Fort Knox???

    Who knows.

    Are the “gold bars” that PayPal strip from the small business forced to deal with these unsavory bunch because any big name business online is associated with PayPal and Paypal alone…Ebay for example…really in “Fort Knox” (analogy-PayPal) really even in there at all??

    WHo the hell knows.

    Paypal User Agreement (in fine print)

    “PayPal Invests the capital of those who use the service….”

    One of the most common problems encountered by PayPal users is the sudden and inexplicable freezing of their accounts. If your PayPal account is frozen, you can’t add or withdraw any funds from your account, and you’re required to go through a long, complicated process to verify your identity. Some users claim that PayPal has simply seized their funds and never returned them. Other complaints against PayPal include rude customer service representatives, a long and confusing user agreement and loose hiring practices that may have led to account fraud [source: PayPal Community].
    intends to implement a controversial new policy that will entail holding payments sent through PayPal for up to 21 days for certain “high-risk transactions.”
    Furious at the prospect of waiting to receive funds, sellers have been publicly speculating about how much money PayPal (and its parent company, eBay) makes off the accruing interest on funds under PayPal’s control – and whether a desire to retain those funds for longer spurred eBay’s holding plan.
    However, company executives and industry analysts say the money PayPal makes off such payments has a negligible impact on its bottom line.
    Any funds PayPal holds for dispersal are automatically deposited in a corporate bank account, which earns interest, according to Paypal representative Amanda Pires. The money is kept there until it’s ready for distribution. PayPal, which processes payments for eBay auctions as well as e-commerce transactions from elsewhere on the Internet, counts interest payments on those funds as one of its revenue streams.

  • Stephen Ensing

    They suck, I sell on ebay, and they force me to use paypal (whom they own) with no other option to accept payment. Buyers can complain about any item bought, up to 45 days after sale, for any reason, even if sold as-is, for parts/repair, with No Guarantees, warranties, refunds or returns, I’ve had buyers get their money AND keep the item, they hold funds on some payments (over 500.00 right now) saying they are “high risk” but won’t say what “high risk” is, you can hardly get someone who understands English, and I feel bad for those people who have to work that job, but their employee turnover rate is higher then the apple turnover’s at McDonald’s, they say money gets transferred to my bank in 1 day, but just had 1000.00 take 3 days, and 5000 take 3 days, their fees are too high, and like I said ebay requires a paypal account, I also have to pay 10% on shipping cost through Ebay (besides sell fees) then the 3% paypal fees on shipping, now making my overall shipping expense go up 13%, I wish ebay would allow me to use another payment option, and wish a David could come along to slay the giant, but who helps the little guys? Our congressman? I hate paypal.

    • Jim Forbes

      I came to this page just to see if I was the only one who thinks PayPal is getting out of control. It appears I am not alone. I have been a PayPal client for many years and have seen the slow creep of political correctness into their policies. As a 32 year old business we opened a Square-Up account just to have an alternative to PayPal and their ridiculous holds on my company’s money and now after several years Square-Up is a formidable competitor to PayPal. We do up to $15,000,00 a month through PayPal (all invoicing) and have recently received a request for more company information. Personal Information even though PayPal has all our corporate federal ID info. It seems strange and I figure it just another way to track everyone. They gave us until January 11, 2020 to provide the info or they will hold all our money. I’m waiting for all of our transactions through PayPal to clear and then we are closing our PayPal account and most likely our Ebay account too. There is nothing on Ebay we can’t buy on Amazon or some other vendor. Best of luck to you and thank you for posting your experiences with PayPal. Word needs to get out.

    • Vera

      I hate Paypal too. They cancelled my money transfer that was sending to my son in another country because it was a “high risk transaction !?! They asked me WHY I was sending money to my son !!! It is too much aggravation. HORRIBLE COMPANY

    • Tim Ro

      Ebay spun-off Pay Pal several years ago. Ebay is going to be using another company in 2020. Paypal will, ostensibly, remain in business.
      It’s a service misunderstood by the government, apparently. They get away with all kinds of s***. Enough colaints to choke a horse, but “they are not a bank” so the BBB issues them an A+ rating. (Though Customers calls go unanswered, emails unread, customer confusion, fear and tears are not measured, it seems.

  • Troy Widgeon

    I bought a shed from a website featured on a Google search listed as The price was good, not much under other places, but a little cheaper nonetheless. They had a PayPal link on their page so I’m thinking “Great! I’ll have PayPal protection with this purchase”. How wrong I was. The “merchant” evidently submitted a fraudulent UPS tracking number to PayPal, who in turn forwarded it to me. I never received correspondence from the the “merchant”, but hey, I had a tracking number and I blissfully waited for me merchandise to arrive, checking the tracking along the way. Then the day came. The package didn’t arrive on the day it showed “Out for delivery”. I rechecked the tracking, and it showed “Delivered” and signed by somebody named Roddy. Well, I’m not Roddy. I don’t even know any Roddy. So off I drive to my local UPS terminal with info in hand to find out where my package was delivered. Come to find out, the package wasn’t even sent to me, but someone across town, and it WASN’T even what I ordered. Me thinks me smells a scam. So now, on a mission, I try and contact the “merchant”( read scammer ) and of course I get no response at all. Frustrated, I filed a claim with PayPal with all of this information including the sender’s address as well as the recipient’s, sure I would prevail as this was obviously a scam. After one week, PayPal sent me an email informing me that my claim has been denied as the package tracked as “Delivered” I attempted to refile, which resulted in errors on their page with an “Oops, there’s something wrong on our end” message. These butt-wipes sided with the scammer! I’m shocked and appalled that they would not honor what they claim. I am finished with them. It’s no financial hardship, but the principle. I get better protection from my credit card companies. I have cancelled my PayPal account ending a 20 year relationship. I’m just glad I found out how untrustworthy they are for a relatively small amount – I suppose it could have been worse.

    • Pat

      I had the exact same thing happen to me. Ordered a grill from Turns out to be a scammer based in Vietnam. PayPal sided with the scammer. I disputed the charge with my credit card company. So hopefully I’ll get my money back.

      After having been a customer since 2000, I’m going to close my PayPal account after this episode.

  • david smith

    My online gaming company have used paypal for two years. i logged in yesterday to pay colocation and control panel bills. To my dismay i find my account locked with no reason. so I checked my email. there was only a link to their terms of service. i have read and reread all of it. we have not broken any rules nor have we since we started. I called them and they will give no information. they have my money on hold for 6 months. they will of course accrue interest as they illegally hold my money. They have effectively ended my company in one fell swoop. They won’t give me any reason why. I think i have figured it out. they just want to keep making interest off of my money. They are a scam company and I wish I would have looked further into their shady practices long ago. They got us for over 2 thousand dollars. My advice is don’t let them get you as well. A bunch of crooks are all they are and they need to be made to answer for themselves in litigation. If i could afford it I would start a class action suit against them.

  • Paul

    PayPal has taken the side of a FRAUDULENT business calls They use STOLEN pictures of Hand Crafted items to Misrepresent the shoddy Chinese merchandise they sell. I sent PayPal copies of the Pictures they used AND photos of the Actual items recieved. PayPal will not issue a refund unless I pay for shipping to send the items back to China and for Insurance and Tracking on the items for the Convenience of the FRAUDULENT Seller… A Cost GREATER than the Refund! They also REFUSE to REMOVE the FRAUDULENT Seller and close their account even After I presented PROOF of the FRAUD! So PayPal is aiding and abetting FRAUDULENT behavior that HARMS their own trusting customers! PayPal is Criminal and guilty of FRAUD themselves!

    • Lydia Diane Goldman

      I agree
      They are doing same to me
      I purchased a flat iron from this bogus company Woofixy- who you can no longer find ads for- and I’m told the same. Ship the trash back to China. Which will cost more than I paid. It’s fraud and PayPal is aiding and abetting this fraud.

  • Carol Kimball

    I’ve used Paypal for years. I recently bought an item which I paid for with PayPal. The product was supposed to be a sweater and was a thin t-shirt with the picture of a sweater printed on it. The product was shipped to me from California. To receive a refund the Seller is requiring me to ship the product to China by certified mail. Even though I never dealt with China PayPal is enabling the fraudulent company by allowing it to require an expensive and cumbersome return. I have a California address from which it was shipped to me. I’m disgusted with PayPal after 2 months of dealing with customer service. It’s time consuming and uselesd

  • liela wise

    paypal customer service is very rude and horrible. i will not recommend them to anyone ever!!!

  • Debora Senor

    Money held for too long,..Not able to transfer money in..long waits on hold on the phone,..Problems problems problems! Terrible

  • Cara

    I tried disputing a transaction after the item stated it was a cotton turtleneck in the title and it was made of polyester. I was told I had to return the $28.11 to China for $36.00. After doing research, the company was counterfeit and fraud. I filed a dispute with the Federal Trade Commission. Facebook took down their page and the business now is nowhere to be found. Paypal still refused to refund my money.

  • Jesse Cleveland

    SCREW paypal. These friggin morons closed my account and wont tell me why. No explanation. Whatsoever. Apparently i somehow violated their policy and they wont tell me why. Ive tried calling and now the only option i have is to write a physical letter to the headquarters?! Screw them ive been loyal to PayPal for years then I get treated like this. They can go to hell. Hope they burn.

  • Larry LaMay

    Pay Pal refuse to transfer my money to my bank. Money was sent to me from a legitimate longtime Pay Pal account holder. My wallet shows that the money is there and eligible for transfer, but when I try too transfer it I get an error message that says that the transaction can’t be completed at this time, try again later. I have contacted their customer support telephone line and all that they can tell me is that since this is the first time I have received a payment that it is on hold. Originally I was told it would be released after 72 hours, but that has already passed. Now they say they do not know when it will be released.

  • frank

    ordered a office chair from 49 sale the company is fake,
    a scam the chair cost 47.00 it never was delivered, yet
    I reported it to pay pal and they checked into the matter
    and denied my claim because ups showed that it was
    delivered the package weighted 1.90 pounds, and I didn’t even get that, what kind of office chair would
    weigh only 1.90 pounds the box would weigh more that. I looked on line and others have had the same problem with that company 49 sale and they were also denied Its a shame that pay pal does not
    investigate who they let have a pay pal account to
    rip people off.

  • Theo

    Paypal really let me down. They sided with a crooked merchant. I purchased 2 ion rechargeable lithium batteries from a seller in the USA as indicated on Ebay and the batteries shipped from chicago. After a couple of months the batteries stopped taking charge. Paypal sent me a return address in Chinese and asked me to shipped the items to China. the cost to ship batteries to China is well over $350. Paypal is insisting on me shipping the stuff to China or they will side with a croocked seller. Shame on you paypal and moreover start having USA employees handling the customer service desk for us customers in the USA. Shame on PAYPAL. I’m canceling my membership with Paypal and Ebay

  • Janet Hermann

    I paid for 3 airline tickets from United and 1hotel room all using PayPal. I cancelled all within 24 hours and got refunded. Great right? No. PayPal never refunded the $3000.00 on my balance. In my account it says refunded but my balance says otherwise. I called several times being told the balance is correct. So I called about the finance fees still there for those refunded purchases. After a long time was told uh oh..our bad. So they said my balance was right but will not charge these interest fees. (Pay 6 months, no fee deal)
    Then I added up my financed purchases and it equaled the amount of what I bought and of what I was refunded which obviously I wasn’t refunded. I called again and added it with person on phone. Lo and behold now I am right and again ‘our bad’.
    But I never got an acknowledgement letter so not sure if this was really it for me. She had said I was paying off what I was supposed to be refunded.
    Guess a lawyer is in my future

  • Jerry M

    I haven’t used my paypal in several years and I’m trying to re-activate the account. paypal recognizes my email address, but not my password, or security questions. I talked to customer service which did not provide any actual customer service. All the paypal account information resides in the paypal servers but they cannot delete an account even when they know the account is not accessible by the acccount holder. Their best and final answer was “create another email address and a new paypal account”.

  • Dottie Tighe

    I made a purchase of shoes using paypal. The shoes did not fit. The return policy at purchase stated within 30 days of receipt, original package and receipt. I followed policy and company said…we have low profit so please sell to a friend…LOL. I contacted paypal. I again jumped through all paypal’s hoops. Paypal denied my claim stating “We have reviewed this transaction(s) and are denying your case(s). This decision was made because if an item is materially similar to the seller’s description, we do not consider it to be significantly not as described.” So basically not what I wanted, not anything I can use but too bad for me. This is why there are so many scams for online purchases. I will not be using paypal again.

  • Maryann and Eugene

    My Husband has a PayPal account it’s the online banking kind. They say we cash checks in minutes Yet everytime we get a personal check written to him, USUALLY from Family members, PayPal denies us!! And says they need the person who write the checks phone number!!! Ridiculous and EMBARRASSING!!! I AM DISGUSTED WITH PAYPAL. My Husband is a Good man and he was a hard worker up until August 8 2019 when we rushed him to the local ER to find out he has Grade 4 Glioblastoma brain cancer so he can no longer work and we have been STRUGGLING to get by. So Family members write us checks when they can and For PayPal to basically accuse my Sick Husband of being a piece of crap is APPALLING!! From now on I will go to the issueing bank and pay thier fee show his I.D. and then maybe we can put money towards the over due bills because of this Cancer our lives have been turned upside down and For such a Big Well known Company to lure us in with Phony promises and lies that they cash checks in minutes, PayPal u Should bs ashamed of Yourselves!! We have spent a lot and lot of money in the past through your company, never again! It’s Sickening how you treat your Long time Customers makes me sick!

  • Misty Faucheux

    I got scammed out of $70, and I reached out to PayPal to dispute the charge. Without even investigating, they flatly refused to reverse the charge. I paid with PayPal credit thinking this would be safe because no matter what I did, the system would not let me add my credit card. If it had been the latter, the charge would have been reversed. Paypal never keeps my card or bank account info, and now it even supports scammers. Ridiculous.

  • Richard

    They have. Been holding my funds for no reason. Bad business practices one person complained over their mess up an PayPal took their side over mine wont give me a clear explanation of why my I mean MY MONEY is being held for no reason at all

  • Leonard John Cremer Sr

    SYNCHRONY has don me wrong several time, I had an account with Rooms to Go and a health payment card. When SYNCHRONY took over these account they closed my accounts which I paid on time and paid in full. Now SYNCHRONY has taken over PayPal credit.

  • Sandy Meade

    I am extremely frustrated that every credit card transaction/payment I attempt to receive through PayPal is put on a 30 day freeze. PayPal takes their “cut”/fees immediately, but will not allow me access to the monies. A few transactions they have allowed me a small percentage of the deposit but my latest transactions shows that I have complied with all requests to confirm my indentity and have partial funds available to use but when I go to use the funds I am barred from access. PayPal is unethical.

  • Barbara Courtney-Lau

    I placed an order from a wed site on Facebook (I know I shouldn’t have done it) back on Aug 26th 2019. According to them the product takes 7-20 days for delivery. Well 21 days go back, I get PayPal involved. I tell them what is going on, they set up a dialogue with the seller. They say, it now on it’s way (32 days after the purchase). I wait for a tracking #, check up on it, it’s in China for 2 weeks, than calls off the grid. I tell this to PayPal, they continue to cater to the seller, I than file a resolution complaint. That was first week in Oct 2019. They put the date to resolve within 1 week. That was 3 weeks ago and still waiting for the product or PayPal to hold up their agreement with me about my refund. As of today, they said it will be settled Nov 5th, that is the 6 time the resolution date has been pushed back. PayPal has not honored its agreement with me, so I will now turn this over to law enforcement. Was only 40.00, but the principal is that buyer who are not bring them big business are on their own. I will never do business with them again, they are only out to make a profit.

  • Cynthia A Zamarro

    I am a frequent ebay seller and buyer. I had a dispute with a buyer and ebay closed the case in my favor. The buyer opened it up with paypal to try to collect this way. I refunded her money through paypal to avoid the aggravation. Paypal always awards the buyer because that is how they make their money. They ruled in her favor and paid her again. I had spent at least 10 hours on 6 different occasions on the phone with paypal and they indicated my payment was logged. I began to realize their canned response of “I understand how you feel”. No they don’t and management is the same way. They told me the dispute is now with them but they would write to her to try to retrieve the $470 overpayment. They just wanted to appease me and get me off the phone. They never wrote to her. I will never use paypal again. They are fine until any issue arise. These people are like robots and have no conscience and in this case, neither did the buyer to keep all the money.

  • Jon

    Paypal has absolutely insane policies! Somebody that sent me a payment, disputed it a month later because it wasn’t authorized? They had problems with their credit card they said & then they said corporate had issues & dinged me! I have never even paid a dime for CC fees! 2 minutes after I got the email saying my account had a negative balance, I provided funds immediately from checking …. now 4 days later my account is still locked :( I cannot do even CC transactions! PP says they cannot do anything!!! PayPal incites violence with the way they handle transaction problems!!!!! The Absolute worst customer service of any company!!!!!!

  • Adi begovic

    Worst company ever,they hold your money for 21 days .i would never recomend this to anyone.there are much better option to transfer money,pay for stuff or whatever.i have money on hold for days and they can keep it as much as they my case 21 days but when i get it i am never using it again.also they charge a big fee for every transfer and when you finally get your money and want to transfer to your bank it takes another 3-7 days.paypal sucks

  • Ray Rosa

    I believe Paypal has purposely built a scheme to increase the number of new accounts and daily earnings/withholdings. This is done by taking a Paypal customers account like mine and holding the money citing “security review.” After completing all “security tasks,” then saying “internal security review,” for 72 hrs. Then funds still not released, they say internal review 48 hrs, and then 24 hrs, and then 48hrs and so forth. 17 days go by, money is still in there. I open another Paypal account and transfer money just fine. So what happened, I increased Paypals daily withholdings, and I opened a new account. 1 customer like me. Multiply that practice across the US. Now you know how the stock valuation is increasing.

  • Kim hernandez

    I have used payal for 16 years with no issues. It has been recently that a vendor has been charging my paypal account without my authorization. I have requested a refund and cancelation of the recurring payment but they continue to charge me even after I have used paypal’s cancel recurring payment. Paypal has denied my claims and the vendor keeps charging me. so I’ve had to remove all payment method. I will no longer use payal.

  • Dariush Aboonasry

    My experience was negative with pay-pal they are slow and they are not effective about resolving customer issues. I have been calling several times to get my money for the item seller did not sent me.they are not giving my money back like they promised. This was a e-bay purchase non of them responding and not interested to solve it, and the keep you on phone for ever.

  • Kim Bare

    In August I cancelled an auto payment with Cyberlink. I resigned up for the same service for $103.99 a year. On Sept 26 I received a notice from my bank my account was overdrawn because both $103.99 and $129.99 were charged to my account by Asknet (the company who processes charges for Cyberlink). I didn’t have money in my account for both charges because both charges where not supposed to go through. I contacted both my bank and asknet. Asknet said they saw both charges and said the $129.99 should not have been charged to my account. They again cancelled the subscription for $129.99 but left the correct one for $103.99. They then immediately refunded the $129.99 on Sept 27th to PayPal.

    However, PayPal continued several times to collect the $129.99, so I called them, wrote to them, and emailed them. They told me I didn’t cancel correctly because I had to cancel with Cyberlink AND PayPal. This is absurd. Then they said the refund was on hold because the charge didn’t go through the charge that should never have been presented in the first place. I contacted Asknet AGAIN and they said if PayPal is still trying to collect the money it is UNAUTHORIZED! However, because I have more important things to worry about, I put money in my bank account so that the charge would go through and PayPal could process the refund. The charge cleared my account and PayPal has had the money since October 4th, which was confirmed by my bank. It was in PayPal’s bank account on October 4th. On October 5th PayPal claimed the money would not clear my account until October 9th and I would get the refund after that. They have had 2 times the refund – from Asknet on September 27th and from me on October 4th. Yet they still refuse to give me my refund – for a charge that should never have been processed in the first place!

    I have talked to several managers and even today on October 8, 2019 I keep being told the money has not processed my account (is cleared the clearing house into Paypal’s account on October 4, 2019) and that they cannot refund my money as they already paid asknet. I reminded them that not only have they had my money since October 4th, Asknet refund the money on Sept 27th making Paypal “whole” again, but the manager just keep repeating the script they have been handed instead of actually listening and stating very INCORRECTLY that the money has not processed from my account.

    So, to recap: PayPal charges my account even though the subscription was cancelled. They were refunded by the merchant on September 27th. They continue to charge my account with unauthorized charges, causing my account to overdraw as I was not expecting them to charge me 2 times for one service. I finally put money in the account just so they could go through their ridiculous process and refund my money. They were refunded 2 times, once on Sept 27 by the merchant and once on October 4th by me, yet on October 8th they are still refusing to process my refund.

    If they hold refunds for days after they receive them on even ¼ of the accounts for which they receive refunds every day, they are earning hundreds of thousands or millions in interest on money that is not theirs. Their practices are shady at best and possibly criminal.

  • Beth Richardson

    Back in August, I used my PayPal business account to send money to a friend. Because it was a personal transaction, I very carefully specified that the money come from my Wells Fargo card instead of the balance of my PayPal account. But PayPal wiped out my balance anyway, only taking the remainder from my personal card instead of the full amount. I spent hours in chat and on the phone complaining and trying to get a resolution. They couldn’t put the money back but assured me it was a technical glitch that had been fixed. They said it would not happen again. Yesterday, I sent more money to the same friend. Same result. My PayPal account is what I use to pay business expenses. To have it used for a personal transaction not only screws up my records, it takes away the money I need for my business. They want me to jump through all the same hoops they put me through last time. Not happening. Fool me once…etc.

  • Laurie Hamilton

    PayPal does not service its online chat service – it is “unavailable “. – if you then try to email- emails are repeatedly responded to with an “automated response “ even when that response says if you reply to it customer service will assist you with your need – that is false – for EVERY reply you will receive the same automated response. There is no service to be found there. Also if you noticed eBay account pages no longer seem to display a “balance “ for those who sell thru eBay and have funds deposited there on PayPal. I noticed recently that my balance just disappeared (I see PayPal complaints by others alleging theft of funds) Tried calling and I was lied to about the balance that was there and when it disappeared- found online statements proving this. I am inclined to believe that PayPal has theft in the system somewhere. Time for a new bigger lawsuit against this company.

  • E John Rager

    1 star: Bad
    9 minutes ago
    PayPal and Xoom were a terrible experience!
    PayPal and Xoom were a terrible experience today when we tried to transfer money to a family member in Europe. Their representative spoke very poor English, very difficult to understand, and there was a lot of background noise, which didn’t help at all. They wanted a lot of personal financial information which we were very suspect of because we didn’t understand why they needed it or what they would do with it. In the end we canceled the attempted transaction and closed our accounts with both companies. We then read Consumer Reports article on transferring money and found the the recommendation for TransferWise. We contacted them and had a very successful money transfer and a very pleasurable and satisfying experience. We would like to alert people who want to transfer money abroad to definitely NOT use PayPal and Xoom, but to look into using TransferWise or a similar company!

  • Darrell

    PayPal is deliberately stealing money when doing international money transfers. They admitted doing this mistake on my last 4 transactions, but won’t respond to give me the refund. Here is my email to the with the details:

    This is my last transaction. Based on your conversion rate (1 TWD = 0.0307 USD), you should have charged me NT$17,652 TWD. instead you charged me NT$18,714 TWD. Why is this? I’ve sent 4 email on this and have had no answers from PayPal.

    Transaction Details Transaction ID: 7CX175469L606882A September 5, 2019 Payment amount sent $575.00 USD PAID WITH MASTER_CARD 2428

  • Cheri Cavender

    I used PayPal for an Insurance Claim payout bacause I was told it was quicker and safer than a check. Complete nonsense. PayPal is holding my money for 48 hours because “the amount is unusual for my account”. Well of course it is. It doesn’t matter that it comes from an Insurance company not an individual. They are keeping my money. Period. And it took 3 phone calls and about 20 minutes to get to a person, who could not help. Awful Do not use this.

  • Randy Cash

    To date (9-29-2019) my very worst customer service experience was given by PayPal.
    We all know PayPal has a policy in place to protect buyers funds. This in itself is a good practice. We all want to be able to purchase items online safely.
    My issue is with the ” funds available” not being instantly transferred. PayPal has an option to pay 1% of amount being transferred and have the funds “instantly” moved to your linked debit card.
    I have had little success with the option. Most of the time when I attempt to do this, it does not work. I receive a message stating that further review is needed for the transfer. Although it has been significantly longer than the 24hr hold after the product was delivered (and receiving positive feedback from buyer)…my transfer of funds is still being prolonged by PayPal’s system.
    What does this mean? After several calls to customer service, I am told that the “instant” transfer is under review. I asked to speak to the person’s or department handling the review. I was told that there is no department in charge of the review. “It is the system” that reviews the transaction.
    To this I replied…” So my funds are still being held by PayPal?” “No” says the representative…”your transfer is under review.”
    For an additional 24 hours after the “30 minute instant transfer” was initiated, I still have not gotten the funds transferred to my debit card.
    Is this an experience unique to me? How is a 24 hour+ review of transfer, any different than a hold? Why does PayPal customer service not have the ability to answer the question of…when I might expect the transfer or “review” to be completed?
    This to me is just another way PayPal is holding money that should, by their own guidelines, be released.

  • Greg Murrow

    I used to have a licensed legal stamp dealing business, operating out of Las Vegas, Nv.
    PayPal wiped out my company in 2016, by claiming I opened up about 49 charge-backs against my vice president. PayPal made it all up.
    I filed a 4,017 separate count lawsuit against PayPal in 6-2017 Case#17cv311767.
    I lost the lawsuit in the Superior Court of California in San Jose.
    I then defeated PayPal and their attorneys Holland & Knight LLP in the 6th Appellate Court in San Jose on 2-13-2019. Case# H045352
    I am still fighting the lawsuit.
    I have enclosed the you-tube link which explains this tragic story.
    Please watch it.
    I have withstood massive police investigations by numerous police agency’s over this lawsuit, as PayPal keeps trying to keep this case swept under the rug and hidden from the public.
    PayPal is corrupt and crooked. Do not use them.
    Greg Murrow

  • Jane Dickinson

    Do not use Paypal because I couldn’t receive my money back. The worst part, my friend didn’t recieve the money onto her account. I called customer services to get my money and they would not put the money back into my account.

    This post will help: Best PayPal Alternatives


  • Ken Saxe

    I lost my money with Paypal, Paypal gave my money back to the buyer, now I’m out my item and my money, and I payed Paypal Fees, I was robbed by Paypal.

    This post will help: Best PayPal Alternatives


  • Tee

    PayPal will hold your money for 21 day MINIMUM when you and the consumer confirm satisfaction with the product/service. They hold money to collect their own interest. PayPal has impossible customer service. You have options. Choose another option if you would like to access your money.

    This post will help: Best PayPal Alternatives

  • Kenneth Hudson

    Payments to suppliers totally unknown to me have been included in my account. I have been unable to get into PayPals complaints system and have been forced to close my account.

    This post will help: Best PayPal Alternatives


  • Margaret Skoog

    I have filed 2 separate disputes with PayPal about substandard items I received from China. Both times I was denied a refund. PayPal does not protect their buyers! I will never use this company again. Beware that this doesn’t happen to you.


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