Overview

This PayPal (paypal.com) 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 merchants who are interested in using PayPal for the purpose of accepting credit card payments from their customers.

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, much like a normal merchant account.

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 to use PayPal much like a traditional merchant account. Additionally, PayPal has introduced a mobile payment app and card reader dubbed “PayPal Here” that allow anyone with a compatible smartphone to accept credit card payments.

One important difference between PayPal and a merchant account supplied by a credit card processor is that merchants 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.

PayPal recently settled a class-action lawsuit by the name of Zepeda v. PayPal. As a condition of the settlement, PayPal has agreed to make payments to the plaintiff class. Here is some information from the Zepeda v. PayPal settlement claim website:

The Settlement resolves a lawsuit in which Plaintiffs allege that PayPal improperly handled disputed transactions on PayPal accounts and improperly placed holds and reserves on accounts or closed or suspended accounts. Plaintiffs also allege that PayPal failed to provide annual error-resolution notices and monthly account statements under the Electronic Fund Transfer Act.

You are part of the Settlement if you had an active PayPal account between April 19, 2006 and November 5, 2015.

You are part of the Settlement and also may be eligible to submit a Claim for a cash payment if you had a hold or reserve placed on your account and/or your account was closed or suspended by PayPal between April 19, 2006 and November 5, 2015.

Affected merchants should visit the settlement website for full instructions on how to file a claim.

Key Points

  • Sales & Marketing: PayPal does not hire independent sales agents and has not received any complaints about its sales practices.
  • Costs & Contract: PayPal offers a month-to-month contract with no early termination fee.
  • Complaints & Service: PayPal has received thousands of public complaints.
  • BBB Rating: PayPal has an “A” rating with the Better Business Bureau and has received 6,591 complaints in the past three years.
  • Rates & Fees: How Merchants Got The Best Rates With PayPal

PayPal Products and Services

  • Debit and credit card processing
  • Mobile phone processing
  • Online payment gateway
  • Virtual terminal
  • Recurring billing
  • Merchant cash advance

Industries

  • Retail
  • Mobile
  • E-commerce
  • Non-profit
a

Sales & Marketing

Key Points - Sales & Marketing

Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms Yes

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. PayPal primarily markets itself online and through its eBay partnership, and in many ways it has become a household name. The company’s policies and pricing are transparent and easily understandable for anyone who takes the time to read them.

PayPal Marketing Example

b

Costs & Contract

Key Points - Costs & Contract

Swiped Rate 2.7%
Keyed-in Rate Variable
Early Termination Fee None
Monthly Fee Variable
Mobile Card Reader $9.99 (optional)

In this section, only PayPal fees and contract terms associated with PayPal’s business account for 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 Merchant Setup (aka: PayPal Payments Standard)

This account does not allow merchants to enter credit card data manually using their computers but does allow for customers to buy products by credit card through a merchant’s website. However, if a merchant has set up a PayPal Here account, s/he can accept a credit card directly through the mobile app. For merchants wishing for an easy way to accept online payments, PayPal offers this basic setup with a few advantages over traditional merchant accounts.

First, there is no setup cost, no monthly fee, no time commitment, no PCI Compliance fee, and no cancellation fee. PayPal Payments Standard allows merchants 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 2.9% plus $0.30 for all domestic transactions, 4.2% plus $0.30 on all international in-store transactions, and 4.4% plus $0.30 on all international online transactions.

Advanced Merchant Setup (aka: PayPal Payments Advanced)

The next account up from the standard account allows merchants to keep the entire checkout process on their own site. Like PayPal Payments Standard, merchants 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 is primarily of interest to high volume e-commerce retailers and web developers who want full control over the checkout process because it allows for custom design and self hosting of the checkout pages.

With the second extra feature of the Pro account, PayPal offers a virtual terminal for merchants who need to enter credit card data themselves for face-to-face transactions and/or mail orders and telephone orders. Merchants 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 other virtual terminals and merchant account providers. In addition to a $30 per month fee, PayPal Payments Pro merchants 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
  • 4.1% plus $0.30 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. Even though merchants 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. This is unusual because nearly all other merchant account providers offer lower processing fees for swiping a credit card through a reader.

Finally, PayPal offers special pricing for non-profit organizations. Non-profits processing under $100,000 per month will pay 2.2% plus $0.30 per transaction. Organizations processing more than $100,000 per month are eligible for custom pricing.

c

Complaints & Service

Key Points - Complaints & Service

Total Online Complaints Thousands
Live Customer Support Yes
Most Common Complaint Fund Holds

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 could imagine, PayPal has received thousands of complaints. The two issues that are most commonly voiced by actual merchants are complaints of sudden account freezes that disable the merchant’s ability to accept further transactions and withdraw money, and poor experiences with customer service.

Merchants who complain of experiencing holds often report difficulty in getting explanations of 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 merchants that are deemed as “high risk,” or that have experienced numerous chargebacks or fraudulent transactions. Many merchants 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 merchants, even though there are quite a few reported cases online.

As for complaints about customer support, PayPal offers several options for resolving 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. Merchants 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 earns a “C” in this section because it does a good job of providing many customer service options and has a small proportion of complaints in comparison to its user base, but the company still has room for improvement by working to reduce the amount of complaints being filed online.

c

BBB

Key Points - BBB

Product & Service Complaints 4,181
Billing & Collection Complaints 1,711
Advertising & Sales Complaints 357
Guarantee & Warranty Complaints 201
Delivery Complaints 141

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.

As of this review, PayPal is accredited with the Better Business Bureau and maintains an “A” rating despite having 6,591 complaints filed in the last 36 months. Of the complaints, 4,181 are related to problems with the service, 1,711 with billing and collection, 357 with advertising and sales issues, and 342 with other issues. PayPal has resolved 2,255 complaints to the merchants’ satisfaction, while 4,336 complaints either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant.

PayPal has also received 183 informal reviews, with seven being positive and 171 being negative. The BBB justifies its high 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 Logo

PayPal Bottom Line

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. Overall, PayPal is a solid choice for accepting credit card payments and can be offered as an additional payment option alongside a normal merchant account and payment gateway setup.

Hi, I’m Phillip and I’m disgusted by the state of credit card processing in the U.S. and abroad. I believe that the industry has been overrun by people who engage in fraud and deception in order to steal money from hard working business owners. I’ve made it my mission to expose the companies and individuals who engage in predatory marketing, pricing, and contracts, or just provide terrible service. Along with uncovering the bad guys, I’ve also discovered the good guys who do stand out from the status quo. CPO is a website where you will find ratings and reviews of these companies along with advice on how to save money and which service providers consider. Together we can move the industry in a positive direction. If you would like to help support my work, please checkout “Fee Sweep” my eGuide to getting the lowest possible fees when accepting card payments. If you haven’t heard of “interchange” this advice will save you hundreds, even thousands, in processing fees.

Schedule a Consultation with Phillip

419 Reviews Leave Your Review Below

  1. In all my years of dealing with people on this planet, I have never encountered worse customer service than I did today with PayPal. As if the first rep’s apologies that sounded more like middle fingers to my existence wasn’t bad enough, his so-called supervisor who was more concerned with getting me off his phone than with actually dealing with my call should have been the worst. But then there was the claims and disputes agent who assured me my account was “in good standing” and then transferred me to another unsuspecting agent in a different department without notification or at least explaining why she was transferring me. Then the next guy put me on hold for over 30 minutes and disconnected the call without ever checking back. There was a lady in debit accounts who decided that asking questions and cutting me off before I could answer her (she was probably in the same training class as that “supervisor”) was the best way to figure out how to help me. And the last person might have qualified as an o.k. human being if not for the fact that when I asked her to transfer me to the complaint department, she claimed that she couldn’t transfer out.

    It’s like you scraped the bottom of the barrel for customer service people, then hired them to train the people under the muck that feeds the scum under the barrel to serve your customers.

    This is unacceptable.

  2. [email protected] says:

    Yelp I know very well just wanted you all to no this is why I stay away from eBay Mobile and PayPal account it’s because everything me an wife had bought together and this happen when my wife bad just away everything I owned was stole from my home an sold on eBay and guess what the money was deposited to a PayPal account. What’s even worse I happen to be at the person house and there phone was going off like mad sold over an over my stuff that I had work my but off for was being sold right in front of me as I was trying to get over the death of my wife and this is 100% true and my name is Jeffrey Beckham

  3. During the first part of May, I ordered a part from WL Toys, who immediately charge my card but did not have the advertised parts. They never shipped. I disputed the charge with PayPal, who did nothing. I escalated and PayPal did ABSOLUTELY NOTHING. It wasn’t until I disputed the charge with my underlying credit card that I was finally able to get a full refund.

    2 days after the first order, I found another part from HobbyWow, different seller, that I needed. It was an assembly. I emailed the seller asking if it included the part I actually needed. They confirmed that it did. I placed the order upon that confirmation. When I received the package, of course it did not contain the part. I disputed with PayPal, then escalated again. Even after sending them a copy of the email exchange that showed the seller clearly lied, they ruled against me.

    Still in the first part of May I ordered a part from a different seller using my PayPal account. The seller sent me a defective part. It is the flight control board of a nearly 2 pound drone, best described as a flying food processor with blades just as dangerous. The board controls the stability of the drone. Again I filed a dispute , sent them pictures of the defects, and PayPal does nothing to help me get a correct part or full refund. I will absolutely NEVER do business with PayPal.

    I have been purchasing on line for over 5 years and PayPal is the worst payment method I have found. Even their instructions to upload documents, appeal disputes, and general communication seems to be designed to make customers drop complaints because it is too much bother.

  4. I was in a rush and mistakenly pay with checking account instead of credit card. Next minute I have called customer service and ask to change method of payment or cancel payment, I new I did not have enough money on my checking account. It was impossible, and even more, customer service rep told me that if bank will not pay them they will try one more time to charge my bank account and only after 2nd attempt my credit card will be charged. I call supervisor and try to explain again that there is no enough money on the account it does not make any sense to charge my checking account bank will not pay. I end up paying to my bank total $60.00 for insufficient fund fees $30.00 for each PayPal attempt.
    Very bad company, I could not imagine that in now time after transaction (btw it was Sunday)they refuse to make changes or cancel transaction

    1. that way they are taking your money .where ever you pay befre mking a final clic they ask you to to confarm every thing and then submith .this paypal staff is a dam fool unskill staff stupid people working in this company.isent money it has not reached yet my party is asking me to sed $230.00 again .that mea i lost the money i allready sent ……..i will be losing my 5 years amunity due to this pay pal company . iam very up set now .i do not have more money .i feel that we all should get together and sue them for a a bilion dolaars ……how about that ……….good idea …let us start…….

  5. Paypal on may 30 mishandled the fraud on my account my identify was stolen and group in india acting like linkedin support it stole my information and paypal account details and phone number. When I saw someone place $658 money transfer order in my account. I called PayPal within 10 minutes and informed my credit card company as the money transfer was paced against the credit card on the PayPal account. PayPal customer services told me not to worry yet after 5 days they sent the money and charged my credit card. They later send me an e-maild and denied that it was unauthorized as it look like me when the transaction was placed as they could not tell?. I said I called you and asked you to stop payment and it is not me and they had 5 days. Yet they ignored. Now they are demanding me to pay them back . This is awful system and actually helping organized criminals use their system victimized the account holders and as paypal will not stop any payment even they are told it is froudetelt and even they have 5 days windows to send the payment. They will help the criminals

  6. paypal dose not care about there users
    i have lost my money
    this is not right there job is to help
    not shut every one down
    i will never use paypal again or as any one to.

  7. I’ve never had a real issue with PayPal until my grandmother signed up for PayPal Credit for the sole purpose of buying a new laptop for me. YOU WOULD THINK SHE WAS TRYING TO FUND ISIS. For whatever reason, every time she tried to use PayPal Credit to pay for this laptop (which, to be fair, was over $1,000, so I expected her to have to jump through some security hoops) the transaction got declined. At two different merchants. We spent hours on the phone with first the merchants and then PayPal to figure out what was going on. The merchants were clueless, but PP customer service made it WORSE. They repeatedly told us they didn’t know why the transactions were declining but that there were several security flags popping up. They could not tell us WHY the security flags kept popping up — even after we confirmed her identity in several different methods and even added my address as a “gift,” address, added myself as an authorized user on her credit line, and made sure the email addresses we signed up for merchant accounts with matched her PayPal email. They said, “Maybe try to use it somewhere else on a smaller purchase?” SO we did, and it worked fine. Okay. So we tried the laptop transaction several more times at both the request of the merchants (HP and BestBuy, for craps sake, not even some strange overseas entity) AND of PayPal themselves, and after about the twelfth time of declining, PayPal told us the credit line “was like a car that was overheating” and suggested we wait SEVEN DAYS before trying to use the credit line again. WHAT. EVEN. The whole reason she applied for the credit line in the first place was SPECIFICALLY TO BUY THIS LAPTOP. I asked, if you checkout with a merchant, they ADVERTISE applying for PayPal credit to pay for your current purchase; what if we had done THAT when trying to purchase this laptop, would it still have declined?? But they have no way to answer that. They literally don’t know. So don’t apply for PayPal Credit thinking you can use it for that large purchase you’ve been eyeing — APPARENTLY you have to use the credit line a hundred times with “small purchases” before PayPal TRUSTS YOU to make large purchases with the credit line THEY GAVE YOU. Awful.

  8. I was charged 53.61 for a renewal of avast . I had canceled this well before the renewal because right away I didn’t like it . I am waiting to see if Paypal refunds the money to my account . I am highly upset , never use paypal for something like this because companies aren’t always honest about u canceling

  9. I have a paypal ebay mastercard and cannot find the reward points anywhere. Their customer service chat is supposed to be open till 10pm and its 4:30pm and they are not. They work with synchrony bank however their interface is awful at best!

  10. Well first off, i’ve probably put well over 200k through paypal. After dealing with people getting their money back, and all the b.s. of paypal’s dispute tactics… I attempted to a dispute something I purchased in which I haven’t received. I pay the monthly cost for being a business, and they clearly do not choose to be in favor of my business. They are quick to take their %’s every month off my company, but in no way, shape, or form do they give a rats @rse about your business, or your issues.

    If you can, please choose a different company. They get you because it’s simple.

  11. horrible customer service outsourced employees talk down to me refuse to give my money back in a timely manner never again

  12. We had many unexpected problems from PayPal.

    This is like a time bomb. You never know when it is going to fire. It happens unexpectedly without any warning.

    And then suddenly – voilà, your PayPal merchant account is blocked without any obvious reason. All the money is blocked.

    The PayPal supervisory team in China is very bad.

    This PayPal branch is responsible for all South East Asia including China, Vietnam, Laos, Cambodia, Thailand, Mynamar, Malaysia, Indonesia, etc.

    We have had very much negative experience with PayPal during the last 10 years.

    Unfortunately there is no alternative to PayPal.

  13. terrible service.
    I had an issue with a buyer that send me fraudulent money, to which i gave back a refund to the card that was charged. Paypal then closed my account and made the balance of what i had in there -that was mine!- unreachable. That is stealing!

  14. Horrible piece of trash website! No way to find information you need! I hate you so fucking much!!!!!!!!!!!!!!!!!!!!!!! charge backs. They are so bad my blood boils. Keep it up paypal.

  15. I purchased one item through Ebay and was forced to pay on my Visa account through Paypal. I would much rather have charged Visa direct _ One negative for Ebay.
    Some months later fraudulent charges appeared on my Visa from Paypal. Clearly, someone hacked my details from Paypal and used them. Paypal acknowledged that they were fraudulent and agreed to refund -within 3 to 4 days. 3 Weeks later, nothing has happened.
    Paypal clearly have weak security and service is abysmal.
    I would not recommend them to anyone and will not deal with any organisation that demands that I use them. Also EBay – will not be dealing with you again until you deal direct with Visa.

  16. I have a sandwich shoppe – zero chargebacks, zero issues- 6 years. The only issue I have is with PAYPAL. When their card readers stop working and we are forced to enter credit cards manually these crooks hold my small business money for over 30 days – can’t pay my lease or employees!!!!! Actively looking into switching companies and getting legal involved. Repulsive.

  17. It’s great! Until you have a problem. Then it’s just headache.
    If it were a physical object I would have broken it out of frustration long ago!!!

  18. Horrible customer service someone hacked my account and they are refusing to give me my money I made a police report and everything … I will be canceling my PayPal after my credit card company gets my money back … I will make sure to report this to every place I can … I’ve gilded so long and called so many times and nothing has been done… buyers protection is a joke these people don’t help you at all… I wouldn’t be surprised if they do this to help them get more money

  19. Paypal must help saller’s as well, Such a poor response from paypal to saller, Only buyer can not be genuine always, there are multiple buyer have cheated on me through paypal, please help saller as well paypal is runing because of both of them, but you have more buyer’s protections,then saller’s, change it a litile and make it more flexible.

  20. Paypal has become an enabler of crooked activity and crooks themselves. They will take money but almost NEVER honor the supposed free protection on purchases. I have been ripped off on eBay, from Google Play Store, and other purchases where the seller has gotten smart enough to learn what they can and cannot do to run a scam and get away with it. They know now that Paypal is a deceptive and enabling company that helps crooks and will rarely return money. It’s gotten despicable and this company needs to close. They are doing a disservice to the community, cheating people and allowing them to be cheated. Their protection is a scam, a fraud! Where are the STARS to give a review???

  21. Unfortunate experiences with Pay Pal. Unable to log in, transactions not completed after going through process, customer notified that “transaction not completed,” then paying a second time, only to be notified that both transactions went through, resulting in double payment. Customer thinking business is “scamming” them.

  22. Awful! They suggest that you take CC’s then hold your cash. They want you to use PayPal invoices then put holds on your account! They did get me to open a processing account with my “real” back and I will thank them for that. PayPal is dead to us!

  23. I sold on ebay. Beautiful D&B handbag. The buyer claimed the bottom of the bag was destroyed. I provided photos of the listing and the bag showing accurate current condition which is absolutely not as claimed by buyer and her claim was upheld. I was advised that my photos meant nothing and that the buyer didn’t even provide a photo. This isn’t resolution. There was not proof from the buyer. I say… let’s just all start disputing our purchases we do with Paypal! Even if nothing is wrong!

  24. Warning: they don’t make good on bad cards.
    I purchased a $500 PayPal cash card in February which would not work. It is now May 4th . Dozens of calls, emails are of no help. Please protect yourself

  25. I have quit this terrible company! The people are very rude and don’t want to talk to you! i paid my bill over phone with credit card but still got a bill from them! closed my account after all the crap involved1 NEVER do any business with this crappy place1 they will try to get you even after you have paid1

  26. Beware of PayPal’s deceptive and hidden foreign exchange fees. If you live in Canada avoid PayPal like the plague. Even if you have a USD Credit Card attached to your account the gangsters at PayPal will still try to charge you foreign exchange fees!

  27. PayPal the service that you have been providing recently is garbage. It seems that you are having issues with protecting consumers. Unfortunately the consumer is the one has to suffer these issues instead of you guys. I try to use both personal and business cards and unfortunately was not able to. This is not the first time but I I had to go through this. Realize this PayPal the money inside of these accounts do not belong to you it belongs to me. The service and sympathy on behalf of your personnel it’s at a All Time Low. I want to be very clear I will let go of PayPal if this happens again my business does not need PayPal , PayPal needs my business.

    1. Paypal allowed a person that lives in Florida to link MY checking account to their Paypal account without alerting me. Then that person withdrew $1000.00 from my checking account and put it in her Paypal account. I don’t know why that was allowed since the name and the state did not match. I found the charge on my checking account and when I called them, they said they had already flagged her account for fraud and I wasn’t the only bank account she linked to her account and used. I had to close my bank account and I am still worried that Paypal somehow has my bank account information. Interestingly, I NEVER linked my bank account to MY Paypal account, so she couldn’t have gotten it from my account information, and I don’t and never have owned a debit card. I only had a credit card linked. I think I should have been notified as soon as Paypal flagged her account, and found my information there. They waited until I called over a week later when I saw the charge on my statement.

  28. Wouldn’t Help Me With My Limitation – Had To Hire Auction Essistance

    My PayPal was limited for unknown reasons and PayPal has yet to explain to me what the true cause is. Tried getting in contact with them several times, but each time they would cut me off or they would give me the runaround.

    Waste many months of trying to get it lifted only to find out that it is a permanent limitation. I have customers I need to accept payments from, but they don’t care.

    I came to grips and decided to abandon the account and hire Auction Essistance to help me set up a new account.

  29. paypal has froze my VISA gift cards; customer service says it a security issue. i can’t use them execpt for one time on Sundays; apparently the security trigger gets reset on Sundays. i cannot spend money on any site that uses paypal.

    i bought the gift cards at the grocery store and paid cash for them. i have 300 dollars in gift cards.

  30. I had never used PayPal before to receive money and now that I have used the services I NEVER WILL AGAIN. PayPal SUCKS! Not only were my funds held, they were held longer than the timeframe specified on the website. Also, when trying to transfer funds to my bank account, the site says the funds are available in 1 business day but it took 2-3 days for my funds to be released. I received another $100.00 payment and the system refused to allow me to transfer the funds to my account. I called customer service and they READ a script saying that the system must be down but while on the phone with the representative I tried transferring $99.00(just to see if it would go through, and it did). This shows that they tell you whatever they can to get you off the phone no matter how false the statement is. I will NEVER do business through PayPal again. It’s incredibly inconvenient, the representatives might as well be robots because all they do is read a script. I think I will opt to use the square cash app which is user friendly and simple, as it should be.

  31. I have nothing good to say about Paypal whatsoever. They freeze accounts without notice or reason, and they took the decision to close our account (again no reason provided), holding our funds for 180 days before being released back to us. Their support is none existent. If your business can survive with a frozen merchant account and your money being withheld from you for 180 days then go ahead and use them, but I’m advising people to stay well away.

  32. When an error is made with your account PayPal does not assist their customer at all. We accidentally refunded a buyer when a partial refund was intended. PayPal would not reverse or modify. We cannot reach the buyer to resolve and so placed a stop payment at our bank; it’s been more that 10 days and PayPal refuses to acknowledge that Bank of the West stopped their attempts to withdraw funds from our account. In addition, PayPal customer reps and managers provide contradictory information on which we attempt to make business decisions. Bottomline, PayPal is not transparent, not service oriented, not well trained to handle issues and I would not recommend them for credit card transactions and DO NOT provide them with a back up funding alternative!

  33. This company is ridiculous and useless. I have a PayPal account and a PayPal prepaid card. I attempted to transfer $57.96 from my PayPal account to my card. It gave me an error and said to try again which I did several times and then said to call customer service. They says for my security… It wasn’t going to be processed and there’s nothing they can do. So Easter its tomorrow and I can’t use there money to buy my girls easter baskets as I had planned and I’m completely broke. They said to transfer it to a bank account, tried that.. Same error, they said sends it to dinnertime else’s PayPal account so they can transfer it to my card. ARE YOU SERIOUS??? SO FOR MY SECURITY YOU CAN’T TRANSFER IT FROM MYSELF TO MYSELF BUY WILL TRANSFER IT TO AN ACCOUNT NOT CONNECTED TO MINE???? THIS COMPANY IS A JOKE.

  34. I used Paypal to make a purchase and the items were never delivered. Paypal says the merchant has a tracking number showing that they were delivered to me, but they refuse to provide either the date of delivery or the tracking information. This is fraud and petty theft. The items were not delivered and I am out the purchase price

  35. Please DON’T Use. I just wanted to put twenty dollars in and i bought 2 cards Both Denied one of them had money taken out of it and now is at zero dollars.I was hopeful with the staff when i came around but sadly its the second day and i yet to see a PENNY. I hope you read this and Avoid this Site And Stress,Panic attacks worrying about my Information being Stolen and most of all my money I yet to see.Please Don’t upload Personal Information to this Site is can be Stolen as easy as my twenty bucks… Save yourself the stress cause this truly makes angry,depressed.

  36. I cancelled a transaction because the receiving person did not have a paypal account and because they hate
    one of the founders for supporting Trump, I just asked for the transaction to be cancelled. It never reached the FED. Nothing there was no account to go into. Now Paypal is holding my money making interest off of it and millions others calling it a refund. It is NOT a refund. It is a cancelled transaction. This is crooked and Paypal are liars. DON’T use them . I will never use them again .As soon as I get my money back they are history and my new mission to add them to the list. Hope they go out of business. Had no idea the slime at the top was a Trump supporter. I would have never used them to begin with. They SUCK!

  37. Hate paypal’s lack of ability to stop transaction when the wrong bank is clicked. Paypal has more clicks on the phone to reach a person than it does in verifying the correct account. Happened once in 2009 and now in 2017. HATE they take no assistance in fixing their website problem

  38. Fine print on the 30 day hold on monies is almost a scam. Then you are told if you purchase an $80 chip card reader funds imediately available?
    Literally hours on the phone with this mess. Hate these people

  39. Someone has stolen my information and PAYPAL has told me that there is nothing they can really do about it. I was on the phone for over an hour and they just sent me from department to department. Other representatives even picked up and started the entire process over until I told them I was waiting for a response back from a different department. I definitely will never have my business use their service.

  40. Sold item thru paypal, customer paid paypal in full. Customer received the item sold, Now paypal wants to hold my money for 21 days. They will make interest on my money as well as charge me for their service. Well they pay me interest for holding my money. NO!!!.

    Will never use or recommend them again.

  41. I ordered from geekbuying.com and payed with Paypal. Big mistake! Geekbuying never shipped and never repaid.

    Paypal closed the dispute without any repayment. I actually thought there was some kind of security with Paypal, but it is not. So be careful!

  42. PayPal is an embarrassment. They have one job to handle payments, and struggle to get that right even a portion of the time. Funds are constantly coming out of my checking account when I have selected them to come directly from the PayPal balance, and they say they are able to retroactive do anything, nor can they promise to prevent the issue in the future. They have, however, claimed this is a known issue, which doesn’t really help the unexpected overdraft fees. What the fuck, PayPal?

  43. After 14 years of being with PayPal. Also after always having fund available with no issue, we where having trouble with them and being declined for a $16.00 purchase at IKEA. With some theory they mentioned out of nowhere that all charges have to be ending for a while which means the debit card of PayPal cannot be used. Unless we transfer our money to them. Until then they would decline every charge that we would want to put in place no matter where. Even if you have emergency. Its a real sad shame but we ended up telling them to shut the accounts after 14 YEARS!

  44. PAYPAL IS USELESS AS FUCK.

    Their customer service is a piece of complete crap and an utter waste of your precious time.
    1. Different ass people keep replying to you: They dont keep up with your shit
    2. They just keep redirecting you to their phone line
    3. They keep asking for screenshots and proof and then do nothing with it
    4. THEY DO NOT ANSWER YOUR QUESTIONS AT ALL

    How are you even in customer service if you do not give a service to a customer. I am in the customer service line and lol if you worked where I worked you would be fired on the first day like fuck, this was a shitty ass waste of time.

  45. customer has a contract with Jimenez construction
    your making a customer violate a signed contract
    legal action will follow against pay pal ,
    our company dosen t do delivery items
    our company delivery services and if the wheather is too cold
    we dont work and is raining we wont work
    customer signed a contract and we dont have a deadline
    when we should finish work depends on the wheather
    we just started back on january and we wont finish it until they not done paying us $78.000.00
    witch is the amount they own us they have pay $10,000.00

  46. Online and phone support terrible. Phone Auto attendant does not sense 50% of the input. Do not opt for the call back. No one calls back.

    1. Hi Nancy,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  47. Yes they love to freeze accounts. Even if you have been with them for years and years with no charge backs they still do it. THey have done this twice to me in the past 15 years and I’m done with them. Good thing my major processor is a bank and they like when I give them alot of business. They don’t start freaking out like paypal. If you have alot of transaction with no disputes they will still freeze it. I have funds in my account $2200 and they can hold for 6 months. Well I found a way to end that stick to a bank paypal will give you a headache even if you have a good history.

  48. I hate PayPal. They have $871.71of my hard earned money. We ordered phones from ZTE on 3-2-17 and then we canceled because PayPal said the transaction is pending. When we found out why we moved on. Now PayPal wanted us to send emails from ZTE to them and we did. CALLED BACK TODAY TO FIND OUT ITS NOT COMPLEAT. WTF!!!! Now they tell us 3-5 days and the money will be back on the card. I sure hope so cause BBB and my lawyer will be contacted. WORST COMPANY EVER!!!

  49. Company makes credit card account changes without informing their customers. Which is against federal law. What an amazing fail for a supposedly good company. Any other company would inform you via email, website, or phone call in system. They all said one thing while their reps said something different and claimed they did not have to inform their clients which is in correct.

  50. Paypal the worst service, I spend taking the time to register for leave a review of this company so people do not have the bad experience I had, I do not recommend at all this company destroyed my business, start with paypal to send and receive Payments and business transactions, I made some compromises with some providers and I was never able to make the transfers because there were always some new inconvenience, I had to register 4 types of cards and different accounts confirmed my phone, my address my accounts etc. And even I could not complete any of my operations, additionally my clients also tried to send me the payments, which was also not possible, a total loss of time hours and hours in different calls to customer service area. In conclusion it is a disaster.

  51. I ordered a dress and a blouse the size I normally wear.When I received it it didn’t even come close to fitting me.So I mailed it back on1/19 /2017.They said they never received it .I went to the post office and had it tracked they said that it was delivered.The company offered.me $15.00 instead of my $48.87.I declined the $15.00.

  52. Until recently i have had no issues with paypal but that has now changed!. It seems that a refunded payment made to me has stayed in the pending stage. The company who made the payment confirm the monies have been sent and will provide proof.
    I have contacted paypal on three occasions so far to enquire as to why the payment is still sitting in pending. And each time i receive basically a negative response/excuse. Being assured the matter is being looked into but nothing is happening. I am at a stage where i do not know what more i can do to get paypal to sort out the problem.

  53. Horrible experience; I had a refund Feb 10th and my money 14 days later still is pending in paypal and they said its due to my bank which it isnt.

    1. Hi i am in a similar position and they keep on telling me that my name has been added to the list?. But will not give an explanation other than technical services are looking into it!.

  54. PayPal has to the most inept company on the planet. In the past few days I’ve called no less than 8 times. When you first call you are put on hold for about 30 minutes only to be mysteriously disconnected then you have to call back and start the process over again. I’m guessing this is to deter you from following through. After finally getting through you are then given the run around and you NEVER get anything resolved. Trust me when I say that if my only option to purchase anything is PayPal then I won’t be purchasing!!! Worst company ever!!!!!!!!!!!!!!!!!! AWFUL!!!!!!!!

  55. PayPal will LITERALLY STEAL YOUR MONEY!!!!! They sent me an email limiting my account for No reason at all then proceed to tell me the are holding onto my money for 6 months!!! And can’t tell me why and won’t fix it!!!! DO NOT TRUST PAYPAL THEY ARE THIEVES IN SHEEPS CLOTHES THEY SAY TRUST US WITH YOUR MONEY THEN THEY STEAL IT!!!!!

  56. Paypal is having issues with transferring money to my accounts. This happened last year which took more than three months to resolve. This year it is happening again. The bank cannot trace the money and the transaction. Yet, paypal supervisor insists that he cannot help me.
    the bank people say the best thing is to cancel the transaction and redo it. But Paypal insist they cannot do anything. This is terrible service. When they advertise, they insist that they have excellent service, but in actuality, they don’t care about clients, as long as they got your service.
    I need the money in my accounts to pay bills. Due to their terrible experience, I will be late. I wished I have a better service of sending money, I would have never thought of dealing with PayPal at all.

  57. Paypal SUCKS!!!!!!!!!! not only did they fuck me over more than once, this latest time I lost 100 bucks because I was sold a damaged product from china and paypal said they only way I could get my money back is if I PAID TO SHIP IT BACK!!! 100 bucks lost. they sure know how to back the customer!!! I sure hope they are proud of their shitty customer service!!! IF YOU USE PAYPAL YOU W I L L REGRET IT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! THEY WILL N O T BACK YOUR PURCHASE IF ITS DAMAGED OR LOST.

  58. Pay Pal’s new “virtual terminal” is a dream come true for the crooks who steal you card numbers. My card must have been read/stolen at the gas station and Pay Pal makes it so so so easy to take the card number and buy the world. Moreover, they have no explanation for allowing a transaction without all the information and it is so unlikely that “Broward Scooters” an alleged business that just took $700 dollars from my bank account….did not know it was a crook. A corporate entity named Perri Enterprises is the account set up with Pay Pal. So the crooks have a hay day using all their stolen credit cards on Pay Pals virtual terminal cuz Pay Pall DOES NOT insure protection, DOES NOT provide support, DOES NOT do anything but take any money they can possibly get. They don’t even check out the vendors they are extending this ability to. I am so disgusted. They are paying this money to someone but do you think they check out who, or help the authorities get to these folks….heck NO.

  59. PAYPAL is the most useless company ever. My PayPal account has been hacked various times and of course to get a hold of someone is nearly impossible! My account showed over 5 unauthorized transactions so I tried calling PayPal yesterday only to find out their offices are closed?!?! I tried to research online for hours to find a way to pause and maybe cancel my card online, but it was nearly impossible!!! Basically, all the money in my account could have been gone and there would be nothing I could do until they open the following day! I am in awe how ridiculously useless this company is, you’d think since they are a huge corporation they would be better with customer service and have an easier, smoother process!

    Currently on hold for the 3rd time, you can’t even get a hold of the correct department without having to go through the dumb automatic voice message system. Absolutely am disappointed, and frustrated.

  60. Lately I’ve been very upset with PayPal. They are usually pretty good about taking care of my online payments for me, but recently a company has stolen money from me and when I filed for dispute PayPal let them get away with it by deciding in their favor. Not very impressed

  61. I wish I would of known PayPal is bs! I put a deposit down for a puppy to whom the sellers are keeping my deposit without refunding and also not giving me a puppy! I sent PayPal all the information and honestly I don’t think anyone reviews anything. It’s a generic “we looked into this but unfortunately cannot side with you.” Screw PayPal!

  62. Bought an item through PayPal on eBay and did not receive it. So I filed a claim through Paypal and SEVEN business days later NO REFUND! WTF Paypal. They say they are for buyers but really they ONLY care about themselves. 200$ down the drain because of their selfishness. FUCK PAYPAL AND EVERYONE LIKE THEM. They are completely 100% Bullshit and will never be anything else. Go to Amazon or use a credit card, you won’t regret it.

  63. Paypal is 100 percent total shit!! One obstacle after another obstacle after another obstacle to keep customer from using their shitty system, i totally hate it and will soon totally, forever stop using it . Slime bags!!!!!!

  64. Man PayPal is trash, they are so fucking annoying. First off I have a great business where I make a lot of money because of loyal clients. PayPal does not like the fact that I make a lot of money so they deleted my whole account and took ALL of my money!!! I called and the supervisor told me that my account was deleted for reasons that cannot be discussed!??? Which makes no sense cause I’ve been with them for months! They took thousands of dollars from me. What did they do with my money?? They won’t tell me! I am so frustrated!! I hate PayPal. Do not get an account with them unless you want your money stolen and told that it’s none of your business they took YOUR money. FUCK PayPal they can eat a dick. They’re scammers!!!

    1. Yes they did the same to me, I am making good money and with them for years and years. I don’t even use them for a the main processor I use my bank for that. But they have $2200 on hold and I can refund so I will refund and charge though my other processor before they steal it.

  65. AWFUL USELESS BANKING SYSTEM! Never use paypal, they hold your funds for days or weeks, a complete let down for small business users like myself.The complaints procedure takes 4 weeks!! and customer services have no control or can fix anything, how they ever get any decent reviews is beyond me, the web is full of complaints how are they still trading??!

  66. Recently i found out that PayPal temporarily freezes my account and wanting more information about few of my payments. So after giving all the details related to my work they make it active within 3 days. During these days i sent several mails but they never failed to reply on time, great customer service.
    So as per my experience i am giving 5 star, their service their customer support, everything is fabulous.

    1. Hi Nadiya,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

      1. BEWARE PALPAl SUCKS!!!!!! Bought something from china that I returned. After fighting company in china I finally got refund issued. Only for PayPal to now tell me my money will be in hold for 21 DAYS! That’s longer than any bank hold I have ever seen. It’s a scam to keep your money. They even took a transfer fee out, but I have to wait almost a month. People beware!!!!!!!!!

      2. Paypal are nothing but Corporate crooks. Why the Judicial system keep slapping them on the wrist is beyond me. I HATE THESE PEOPLE WITH A PASSION!!

        Those bastards need to go to jail!!! Why does the LAW ALLOW them to keep getting away with STEALING account holder’s funds. They are a DISGUSTING Company and should be %$##@!!#

        If I lived in CA, those bastards would deal with me face to face, but they hide behind the phone with their cocky smirky little attitudes. I am pissed that the LAW keep allowing them to get away with stealing thousands upon thousands of dollars, makes me wonder if they are getting a kick back.

        STAY AWAY FROM THESE CROOKS! THEY WILL SOONER OR LATER BEGIN TO STEAL YOUR MONEY!! Reporting to the BB does absolutely NOTHING. The BBB cannot do anything but write to the scumbags. Waste of time.

        PAYPAL IS NOT FDIC INSURED. NEVER EVER GIVE THEM YOUR FINANCIAL INFORMATION THEY WILL ABUSE IT AND THE LAW WILL TURN YET ANOTHER CHEEK! WE NEED SOME REAL ATTORNEY WITH BACKBONE, NOT DEEP POCKETS TO HELP US SUE THESE BASTARDS, FEDERAL COURT, RICO CLAIM!! .

  67. TERRIBLE!!! PayPal system completely shut me out, leaving me without access to tracking number; or when merchandise was delivered, access to MY money. Now dealing with “customer service” for 3 weeks attempting to get again MY money transferred to my bank account (which was attatched yo the PayPal account) and still have nothing. Every time I call I get the same story “I’m sorry for the inconvenience, let me get this handled for you.” And I guarantee I have called at least a dozen times. Hopefully it’s resolved soon. Just wondering if anyone else has had to deal with such a problem?!

  68. Ripped off and lied to. Had a fraudulent transaction made on my eBay/PayPal account and although they found in my favor concerning the disputed charge they have dragged their feet getting the money back in my account including lying about the timing of funds availability. Still don’t have my money.

    Whatever you do don’t use either PayPal or eBay. As soon as I have my cash I’m closing both accounts.

  69. Worst customer service ever. Had to contact PayPal credit multiply time and all they did was gave me a reply on how to pay for my account. That wasn’t even my question to begin or no where in my email did I ask for that. I told them that was not what I was asking for and I just got the same respond again! They advise me to contact customer service which I did. They were not helpful one bit as all they did was transfer me back and forth. As they were unable to answer any of my questions. I do not recommend PayPal for anyone. As when you run into any error or problems they’ll be unable to help. I have never been so frustrated with any customer service or company before.

  70. I had recently posted a negative review of PayPal. Everything I said in the first review was completely honest.

    After obsessively researching PayPal online I stumbled across the personal email addresses to the CEO and the executive escalation office of PayPal. I immediately emailed them with my complaint, and within moments of sending the email and executive of PayPal personally called me.

    I can’t tell you how lovely it was to finally get to speak to someone in Authority who possessed Common Sense, empathy and prudent judgement. It shouldn’t have taken investigative journalist skills to track down the right person to speak with.

    There is still so much room for improvement with PayPal’s customer service department. But for now I am a happy camper.

  71. Had a paypal account, used it regularly for a while and then it went unused for 6 years. Paypal had no problem keeping the account open. Used it again in July of 2016 and left the money in the account for future purchases. After 5 months paypal sent me a unclaimed funds email. I called them and was told it was a fake email. After 6 months they closed the account. Called them back and they said open an account with the same email and the money would be credited to the account. Did this and still no money. Called them again and they told me they sent the money to the state unclaimed fund office. Gave me a number to call. Problem was they gave me my own number. Finally got the correct number and called the state. They don’t have the money. Called paypal again and they said that there is nothing they can do to help me. Closed my account for good.

  72. A customer ordered products for around $350 on 2 separate orders, 230 and 120. After receiving the goods, she realized she didn’t need all them, and sent me an email, but before I had time (after 4 hours) to read the email, got an email also from Paypal about a dispute of the same issue. I contacted the buyer and she told what she wanted to return, and that was ok for me. I should refund her 190, but Paypal decided to refund her 230 + 120, only because paypal adviced the buyer to return everything. On the PP Resolution Center I attached screenshots of the emails between me and the buyer. On those screenshots can very clearly see we agreed the refund amount, $190, with the buyer. Even though PP insisted to refund now “only” 230. PP adviced me to send them a Police report if not all goods were returned. I replied to Paypal they can ask the buyer what she will return, but sure they didn’t. After that we agreed with the buyer I will send her a PP invoice 230-190= $40, to cover the remainder of the refund, and she paid that immediately. But 2 days after that, PP emailed about the $120 claim. Suddenly it was active again. I emailed the buyer I have to contact the police if this claim is not decided on my favor. Lucky me, the buyer was honest and withdraw it, and I got my money, just losing some PP fees. The final conclusion is: As a seller you are the bastard, outlaw, on the eyes of Paypal. What ever evidence you attach on the Resolution Center, it seems not helpful. I’m not sure are they even check them.

  73. These guys are just a bunch of incompetent aholes. I tried to make a payment, pay pal gave me an error message to confirm my credit card by going onto PayPal.com. I log onto my PayPal account, and there is nowhere on my account a link enabling me to confirm the credit card. I talked to a customer service rep who asked me to type in a PayPal web dress and my URL search field. It just took me back to my homepage. There was no new link or a different page that presented itself enabling me to confirm the credit card. As I was talking the operator just hung up on me. This was just one part of the nightmare that lasted a few hours. This is how they treat their preferred customers. They are not about helping customers find solutions to their problems but rather just resolving a call with some answer even if it doesn’t fix the problem.

  74. Paypal forces you to first use the balance in your account before allowing any other form of payment. This is not right. I wanted to pay my vendor and I had a balance through some personal transactions.
    It kept forcing me to use my personal balance in my PP account. There is NO option to pay my vendor only through my business credit card.
    I hope the developers at PP make this change where we are allowed to pay how ever is appropriate. This is a basic flaw in the system and needs to be fixed.

  75. LeRoichelle Bell
    a few seconds ago
    Worst service ever..Froze my card saying someone attempted to use my card for a transaction of $2.25. Then I called and spoke to a young man who told me he would expedite me a new card because I was on my way to a funeral from a death in the family. Well six days later no card showed up. Call PayPal again and was told by Janine the card never got mailed Nor a request submitted and that there was not a service to expedite a card. Meaning I would have to wait an additional 7 to 10 days to access my money. PayPal debit card is a rip off. DO NOT USE THEM!!!
    Edit Reply

  76. Working with paypal has been a waking nightmare.
    I have talked to them over a dozen times to fix a transaction and got a different answer everytime I talked to someone on the phone. No one had any idea what they were talking about, there was zero way to cancel a payment, when there should have been, leaving zero protection if something went wrong, which it did. I will never use PayPal ever again. When I finally filed a dispute paypal never even contacted me, they only contacted the “seller” and then closed my case with zero resolution. This whole experience has been a complete and utter nightmare, only made worse everytime I’ve had to deal with someone at paypal. I’ve been left in the hands of idiots and liars with little options for recourse. This person stole $350 from me and paypal has done nothing but make it worse. Salt in the wound.

  77. PayPal is one the most crooked companies i’ve ever encountered. I just had an hour or so long phone call with them and my bank today, about PayPal lying about holding funds. They took over $500 out of my account for a payment but claim it won’t clear for 9 days. So I made a three way call between my bank and PayPal and even my bank told them that sounds illegal. This company lies about so much it’s not even funny. One of their biggest lies is about holding funds. They’ve created this lie to be able to hold on to customer’s money so they can profit from gaining interested, before charging 3.9%. Rarely does their customer service dept. even assist anyone, they usually transfer you around for hours until you give up, or just ramble and repeat generic responses because they don’t know the answer. Also the answers change with every phone call. You can literally hang up and callback and get a different response every time. If you’re wondering who to fight PayPal contact your State Regulator. Here’s a link to PayPals website showing the licenses for every state in the US. Contact these departments if you feel PayPal is doing something crooked.

    https://www.paypal.com/us/webapps/mpp/licenses

    1. That is excellent advice! I’m fighting with PayPal right now to recover $548 for an unfulfilled order.

      Unfortunately for me, I did not see all the complaints against the online Merchants I purchased the $548 product from but assumed that my purchase was protected under the PayPal protection plan.

      PayPal sided with the merchants and refuses to help me get my refund. They say the situation is not covered by the PayPal protection plan.

      Really?! The merchant admits they were unable to fulfill my order and that I am entitled to a refund of $548 and promised to give it to me, and then failed to do so within the 10 business days they promised.

      PayPal says that’s okay keep the money Merchant our decision is final! Screw the customer!

  78. So is there Not a phone number for corporate ? I am extremely disappointed with the service that’s being rendered. In all the time this company has been in business, has No one ever made a mistake ? I have stated time and time again, i made a mistake. I have no knowledge of the recipient. 1 rep. Told me he reversed the payment and expect funds back in 48 hrs. Another one said that the last one did’nt do his job properly, and basicly nothing had been done but “not to freight, he would take care of it right away”. And then today i speak with the so called only person that could handle my call by the name Travis(supervisor). He said they can not reverse my payment nor could he provide me with a number for corporate. I will definitely be closing this account.

  79. Failed to refund my money even though tracking information showed my parcel was delivered to another county.I feel like i have been mugged by paypal

  80. I WILL NEVER use Paypal again!! As soon as my payment is posted bringing my balance to $0, I’m closing it!!

    I’ve been going back and forth with a guy about money I sent him about 1 month ago through Paypal. Well they reversed the transaction, without even speaking with me!! WTH!!! So now I have to fight with Paypal, this guy and my bank AGAIN!!

  81. ACCOUNT ON HOLD, then still more BS
    In October of 2016 a hold was put on my PayPal account. The standard verbiage for their explanation was that possibly illegal transactions originated from my account. The Resolution Center asked for some information I needed to upload to resolve the hold. I uploaded the documents they needed (I.D. and a utility bill showing my address). After I waited over a month, I finally called them, and the reply I got was that because my account was established so long ago, they are reviewing all the older accounts very closely. Another excuse was that I had the same name(?) as another person they were investigating who was “an international criminal!” Ridiculous!
    When I FINALLY had the hold taken off my account, I’m now having a 72 hr. hold on every transaction so PayPal can investigate the transaction more carefully.
    I’m not going to stay with them much longer. I don’t think customers would take kindly to their payments being on hold. I want smooth transactions.
    Too bad. They said my account was 16 yr. old, but they’re losing an old customer.

  82. Paypal is HORRIBLE. Phoney pretend customer service, decietful, each rep blaming the one before him or her for “mistake”. If after reading ALL these reviews on this site and many other sites you still elect to open acct with paypuss, then you two deserve each other. They’re looking for more naive people just like that

  83. Be very careful of Paypal and its problem with a company called Safecart. They are not on your side. They said I had an agreement with them but when I looked it said it was started on 2003 and this was the first time on 2016 that they had even taken any money from me so you know it had to be a scam. Look constantly at your profile and make sure your auto payments have not been hacked. Paypal deserves a F rating in this department.

  84. Do not use Paypal to accept payments. Sold an item and Paypal refunded the money back to our customer. Although we had proof of delivery and the customer’s name and shipping addressed matched they refunded the purchase. We are left with a loss for no reason. Paypal is reckless with money and does not take charge backs or customer service seriously. There are other payment processors. I recommend you stay clear of Paypal

  85. So I ended up with a negative PayPal balance of $580 after a buyer scammed and disputed months after a transaction. I wasn’t able to pay this off but before they told me to start making payments, they sent me right into collections. What the actual hell? No warnings of ‘pay this amount per month’… it wouldn’t even let me add less than the entire amount to my PayPal account before I went to collections.

    1. I agree! We just had the WORST online experience we’ve ever had. 5 differant reps and ALL differant stories. I can accept rules and procedures, but we were misled on every fkg occasion. One lie after another. Took forever to finally get our money. Lady said “oh I verdy verdy sordy “. Lol. These people SUCK. even the mgr doesnt even know their own policies. Decietful practices.

  86. Major Flaw

    I received an email from my PayPal that my son was requesting $250 for a computer. I clicked on the link and was taken to my PayPal account. As soon as I was logged in I closed the bank account that was on file, and opened an account that I needed the money to come out of. I was never asked how to pay the $250.

    I received confirmation that the account was closed. I received an email saying the new account was open. Two days later I received notification that PayPal had attempted to take the money out of the account I had closed. I was charged by the bank $30 for overdraft and $25 for returning the electronic check. I called PayPal. The lady on the phone apologized, said all she could do was write a letter to my bank asking for the fees to be dropped. I took this to the bank and am waiting to see if they will remove the fees.

    The $250 was taken out of my new account. I didn’t know if the bank would remove the fees but was glad my son had been paid.

    Today, three days later PayPal attempted to take the $250 from the account I canceled again. The bank charged another $30 and $25 fees. I called PayPal back and am now being told PayPal will try one more time after this attempt and there is nothing they can do about it. After 15 minutes talking to the representative that answered the phone and being told there was nothing he could do I asked to speak to a manager. That was 65 minutes ago and I am still on hold while I type this.

    So by the time this transaction is completed I will be charged $165 in bank fees and over 3 hours of my work time because PayPal has no system to not take from an account that was clearly canceled. This is all happening the week of Christmas and has put me in a bad way. I will be rethinking who I use for my online business.

  87. I am so aggravated with Pay Pal I cannot even see straight. I have been trying for almost 2 months to get my deceased sister’s account closed and a refund of $9.99 from the cancellation of my sister’s Netflix service. I have faxed over the required documents, then I scanned them into their resolution center and had many, many phone calls with them. Finally get an email this morning that said that the Pay Pal account was closed but, guess what, it’s my personal account. Seriously?? Can you guys be an stupider than what you are!! Once I get this resolved, and I will, I will never use their service again. Have not work with a more frustrating company than this one!!

  88. paypal is a joke I opened account for my limousine business and collected $2,600 in payments from clients before I found it takes 30 days to clear transactions and now funds are held in paypal for 23 more days LOL what a joke if you are a retailer do not use this means of payment collection. Also found customer banks rejected the transaction just because it was paypal customer had to call bank and authorize transaction all so I can wait 3o days to collect.

  89. PayPal Users, BEWARE. PayPal is not as safe as they claimed to be. Many of your purchases will not be covered under their shoddy user policies, and they will cite this to get out of helping you even if you are the victim. For years I have been using PayPal for my personal transactions where the heavy merchandise have to be arranged pick up by me. I always thought that these purchases of mine are protected until a recent purchase on Dec 5th 2016 with a dishonest seller. Even though I have documentation proving the seller lied and broke the purchase agreement, PayPal sided with seller. Both PayPal and the seller shared my $800 and I am left with nothing. When I went into their Facebook Page to share my experience with others who were also shafted by PayPal, they quickly commented pretending they want to help look further into my case and then they blocked me! I even had the blessings from their customer service agents that I am within my rights to terminate my purchase with the seller and they will help me get my $800 from the seller. PayPal is only too happy to take their fees from all of our transactions whilst they offer us no buyer protection what so ever. Why are we paying PayPal for? What PayPal is doing is wrong. I will never buy from any vendor who uses PayPal and I will make sure I let them know why. I will ensure I let all my friends know too. Now, I will not even send cash payment from my bank account using PayPal even though there is no fees involved. I simply do not trust them as I have heard they can go into your personal bank account you have linked to your PayPal account. I can understand why many complaints have said that PayPal is a scam. It is a scam, because they collect their transaction fees even though your purchases may not covered. So if you are thinking of using them, I urge you to think again. I have been with them for years and was horrified to see that many purchases are not protected. If you choose them and you get shafted, don’t say I didn’t warn you!

  90. If your running a business or even just a private individual avoid using Paypal, they at will lock your account when they require any information and it can take up to 21 Days to resolve the issue

    you have been warned

  91. Pyapal is cheapest service provider and cheapest support. There was not any solution about my payments blocked by paypal and showing releasted in paypal. Anyone can help me to get my money because paypal is not replying.

  92. Paypal is useless. After receiving a balance into my paypal account from a friend i tried to make a purchase on a limited time offer. I was not able to do so and missed out on the item i wanted. I am very disappointed in paypal and its services as nobody was able to help me in customer service or see my transaction attempt. I would not recommend paypal to anyone trying to make an instant purchase.

  93. Paypal debited 1 amount from my account twice. I have called them several times regarding this issue, but they refuse to refund my money. And furthermore, to prevent from doing so, they are put a hold on my account stating that it’s linked with another account with a negative balance. Bulls*t! THEY ARE CROOKS! DO NOT USE THEM.

  94. I bought the bitedefender antivirus, but I canceled the order immediately. Then I asked Paypal to refund and document was sent as well, but they didn’t want to return my money and send me some non sense answers. When I did not use the antivirus why do I must pay for it?
    There is nobody responsible in their department. I sent too many emails and their answers are not reasonable.
    I don’t know where can I complain when the company that did the transaction aren’t responsible.

  95. I was a seller on ebay for around 3 years.had to deal with minor difficulties as in any business.i sold collectible goods and skateboards. monthly revenue was only around $1,300 Canadian dollars minus the product expenses worked out to a lot less. out of nowhere Paypal puts a hold on my funds in my account to the amount of $3,200 and would not release the funds for 120 days unless i provided photo id to prove account belonged to me. Fair enough right? i sent over my id as i thought it was the proper thing to do. Then they requested receipts from where all my merchandise was coming from,proof of address which was clearly on my identification,two bills in my name(ex.creditcard and phone bill) and the list goes on….i was stumped as collectibles are usually bought from picking around site to site and garage sales etc. so i decided to swallow all the bs.give them as much info as i could provide and try and explain that my merchandise was collected over time from sources i mentioned above. they gave no shits and decided to completely suspend my account because i could not provide that info. 120 days later the funds are supposed to be release for withdrawal. this has been a week after that 120 days and for the past week i’ve been arguing with paypal because they will not release the funds unless i prove it is me. My middle name is on my id and because i didn’t enter it in for Paypal guess what? its not my account therefore they won’t release my funds. ABSOLUTE NIGHTMARE . AVOID AT ALL COSTS USE A MORE REPUTABLE SITE LIKE AMAZON.ebay and paypal are like two bullys in high school taking kids lunch money lol…a huge joke

  96. Paypal is a fraudulant compnay , in a transaction from China ( buyer buying goods) Paypal “suddenly” charged 6% !
    Though previously ( 2 month earlier) they charged the normal 3.X % .

    They refunded me the difference BUT

    I saw it , what if I didn’t there is no check or automatic correction .

    THEY WILL TRY IT & IF YOU NOT PAYING ATTENTION …. they rob you even more than 3.9% for doing NOTHING

  97. So many times on the phone, no resolution to problem.
    All of a sudden it doesn’t recognize my credit card. Spent 30 minutes while in between flights at an airport trying to resolve the issue. Supposedly it was, but obviously not. It keeps saying no credit card and won’t let me add one even though all the information is correct. so frustrating.

  98. Please,for your own good,do NOT, do anything through “PayPal”. They will consistently lie to you.I can tell you about the trouble I’ve had with them, but I’ll just say $34.85 WILL turn into $172.85, because they screwed up.Again ,please DO NOT use them

  99. I just had the most frustrating experience trying to transfer $1750 into my bank account. I requested an unlimited amount to transfer ($1000 limit) and had to call to get that set up. The representative asked to speak to my husband for permission to talk to me since the account is in his name. My husband has hearing loss and the representative was somewhat hard to understand, a perfect storm for what followed. He started asking my husband off the wall questions as if this was some sort of fraud, questions like “do you live on the beach” and many more things obviously read from a script – it took forever before he put us on hold and transferred us to someone who quickly determined I was not a thief trying to take money from my husband. This was a horrible experience!

    1. Well, my story sounds like yours except for the fact that it’s been 3 months since I’ve been trying to transfer money into my account. The money they are holding hostage, or as I call it, collecting interest on it, never did get transferred. This is the 3rd month and I requested PayPal to just mail it. They told me it was mailed November 17th. Now it’s December 9th, and no check. I find it hard to believe it was mailed at all. After all, I told them, it’s not coming from China. Today I called again. Don’t you just love the 6 digit code you have to put in, in order to speak to someone? I’ve heard so many stories about my money that I don’t know what to believe. So today they are putting a trace on a check that was mailed.. We’ll see….if they really do it.

  100. Buyer submitted a claim: “Not received”.
    Payment was then blocked, buyer didn’t respond to PayPal anymore since.
    I submitted proof of delivery, also an email of buyer confirming the receipt, and even excusing for the inconvenience that claim caused me.
    After almost a month of complete silence of PayPal, they sent an email stating they ruled in favor of the buyer and made a refund!
    Despite all the efforts I did towards the buyer and PayPal, the money is now gone, and I even still have to pay for the costs of the payment.

    1. My company had similar problem.
      We had 3 large purchases from Montreal CA
      When customer received product they put a claim in that stated unauthorized payment.
      We tried contacting customers to no avail and PayPal wasn’t very helpful at all. we have lost over $3000 dollars in product.
      we will see how the other claims turn out.

    2. I have had similar experiences with the resolution dept. and trying to get a live person is difficult through their automated phone service. They made a mistake and double charged a large sum to a buyer, this overdrew the account of the buyer at the bank. It was reversed within about 24 hours with their bank and paypal. Then, the charge back which corrected the double billing, was duplicated! This second charge back put our account in the negative almost 2000.00. After much phone time and hold time, they claim they cannot do anything to fix it. I know that is not true, they broke it they can fix it. They just don’t want to inconvenience their money machine. I do not recommend using paypal until they clean up their act. There seems to be a lack of resolution in the resolution department, at least for now. Regardless, whether they get this corrected in the future or not, closing our account. It has not been worth the frustration.

  101. 0 out of 5
    I sold an item on online and the seller received it but filed a claim stating they did not.

    paypal deducted their payment from my paypal balance and won’t listen or view my proof of shipping.

    Not happy at all with how they handled my case costing me 335.00 U.S.D.

  102. Paypal has held my money past the release date with no explanation. I provided all the tracking information. The buyer posted that he received the item and was very satisfied with my service giving me the highest rating. Upon calling payal I wasn’t given an explanation as to why and was treated rudely. Customer service person talking over me while i was trying to explain my frustration.

  103. I spoke with a rep in the dispute department. My only question was about when funds would be released to me as eBay had ruled in my favor. The rep treated me like someone who did not know how to count or read. This was because I simply confused my calculation of 48 hours. Once we discovered what my mistake was, his tone changed to that of what would be one teaching 5 year olds; plus mockery.

  104. On October 6th I purchased 8 tickets from Vivit Seat for a basketball game to my surprise when We got to the game all 8 tickets where not any good so I had to buy 8 new tickets at the games boot window, wail at the game I was chatting with the people of vivit seat and they told me to enjoy the game and that we will talk the following day, I failed a claim with PayPal and they told me not to communicate with them any more that if some one calls me from Vivit seat to referred them to e-bay, Well the e-bay people ask me for some type of documents as prove so I send them a copy of all the 8 bad tickets and copy of the new one I had to purchase there to my surprise again they answer in favor of the seller, I had to dispute the decision they made in the seller favor( supporting a fraudulent sale) and they answer in favor of the seller again saying the seller had furnished prove that those tickets were good. Well I went and called vivit seat and spoke with a manager/supervisor and told her my hole story and after reviewing all the note in her system she told me That I was right and that the person who listed those tickets for sale on vivit seat had told they that yes there was a problem with those tickets and they where willing to refund me the money, she also said that e-bay had answer in my favor on 11/15/2016 (a month and 10 days after) but e-bay told me I had lost the dispute, I had to make a three way calling with vivit seat and PayPal to see who was pulling my leg and guess what vivit seat did refund my money because those tickets were but. So the point here is that PayPal never got prove from vivit seat and that they are going to support fraudulent sales from some one that give them a lot of sale. DO NOT believe 100% in PayPal dispute, my suggestion use your credit card company or even you bank card, I think they will cover your back more than PayPal will.

  105. RIDICULOUS!!! I purchased a prepaid card from paypal just so they could refuse me my own money after they rejected my personal info such as I.D. and my social security number as un eligible for confirmation which infuriated me. I will never use PayPal again after I get this thing figured out. I have done everything they’very asked me to do but they have yet to meet me halfway. DO NOT USE PAYPAL!!!!!!!

    1. Same BS for me. Purchased 3 prepay cards for my employees to use and can’t activate any of them. They need a SS CARD (not number) and my employees don’t have them. They are legal citizens they just no longer have the paper “card” that they want. So I had to go to SS and request a new one for me and hopefully I can activate them, take the $ out and close them immediately. What BS. I’ve used prepay cards before from Amex with ZERO problems. I thought paypal would be convenient because I can transfer $ fast but I guess not. Screw these guys, seriously.

  106. Purchased item, Vendor E-Mailed and stated dimensions were written wrong and will not fit my need. Could not Cancel my buy. had to return ( really a buy, 1 hour old) Had to buy new item of course more expensive. Pay Pal would not allow the difference. Had to get total refund and take second amount out of bank. Takes 7 Business days for refund of original purchase. It sits in Pay Pal and they will not put it back in my bank account. What it it with this Company, Ho Yea they get the interest I don’t get and it sits there till I make another purchase. NOT FAIR

  107. I’ve been a customer since paypal was started and when you need their help with resolution of a purchase they really turn their back on you. In the end I got my item from a scam-artist company called Boardwalkbuy but paypal drug this out a long time. Terrible resolution process in my opinion!

  108. I had a transaction that went thru on Nov 13th 2016, that was issued a refund on Nov 14th 2016 because of an issue with the product that the seller let me know about before shipping. The funds cleared my bank on the 15th of November 2016, and my refund was placed on hold. After calling 3 times the 18th, 22nd and today the 23rd. I was initially told on the previous 2 calls that there was an issue with my bank not issuing the payment to Paypal. Yet finally today I was told there was an issue, sounded like they did some system maintenance which caused transaction errors, and that my account information would be to the technical team that I was one of the accounts effected by the change or system maintenance issue they had. That is disrespectful to lie to your customers that it was a bank issue when it was clearly an issue with PayPal’s system. I have filed a complaint with the BBB as well as I will be cancelling my account that I have had with them for over 12 years. I don’t deal with liars or people who steal from me, and the money was stolen because they had no right to it, the week of black Friday at that.

  109. I was successful with an auction on Ebay. It was an absolute bargain. I immediately made the required payment via Paypal. At the end of the process “Payment Successful” came up. I was going o a holiday the next day, so was not checking my email etc. After getting back from my Holiday I find that the payment actually never went through. I contacted Paypal to get an explanation and all I could find out was that their security filter did not allow the payment to proceed. The payment was made using the same credit card I have been using for the past 3 years, and a delivery address I has used before. It was not even for a very large amount of money. How could there possible be an issue with the payment not been secure when all details are exactly the same as a previous payment made only a month earlier which was for almost 3 times this amount. PaypaL would not even admit there had been an error. Now to purchase this same item is more than an extra $200. Why am I finacially penalized when Paypal failed to make a legitimate payment as per their terms and conditions.

  110. I have been a paypal user for 10+ years, and have usually used it for a few, small transactions every year. In the last 2 months 6 transactions of $500 each appeared suddenly on my account, and luckily all were cancelled. All of them occurred on the same day. Subsequently, a month later, there were additional attempts and this time the perp managed to charge $497 to my credit card through Paypal. It looked like paypal caught this and reversed the charge. So this is also good, but the sequence of events was alarming, so I submitted a message documenting what was going on through their online message center and got a form letter back explaining what an unauthorized transaction is and how I can file a complaint — exactly the procedure I had already followed.
    Since an option for calling was provided, I called them. The representative told me that there was nothing they could do since these transactions were cancelled. I explained that the refund for the charge had still not been sent to my credit card, and was told it would take 7-10 days. I asked if they could monitor my account for further attempts and her response was no. If I have a problem, I can fill out their form for each such transaction and they would process a refund to my credit card in 7-10 days each time.
    It does not seem that paypal is particularly interested in following up, and I will not put credit card information for any card with a large limit, or stop using them altogether.

  111. Transferred money on November 16 and it won’t be in my account till November 25 that is a lot more than 3-5 business days even with a weekend and holiday. If you own your own business go to square they have a mobile card reader and aren’t con artists like PayPal.

    Every time I transfer money it always takes over 7 days to get used. I can’t make purchases from bank account directly because I don’t have a credit card added.

    Worst company ever and staff don’t know how to help either. maybe they should list their actual policy instead of the propaganda they tell you to get you to sign up and take your money.

  112. I made a payment to paypal, and they are quick to withdraw the $$ from my account…but almost 2 months later, they have not applied it to my account, and I have tried phoning, email to no avail….b the way, their format of complaint handling simply does not include my situation

  113. very poor customer service.
    cannot get a transaction to go thru after 30 attempts

    will never do business with them after all is done.

  114. Do not use this service especially if you plan taking more than 500.00 in payments. They will put random 30day holds on the money without notice and you are stuck without those funds. When you call customer service not one of them have a good explination as to why it’s put on there and just transfer you around until you finally give up. That’s their standard practice. You are better off using Apple or another service provider. The only time they seem to care is when you leave them a bad review.

  115. I have paypal account since 2013 for my handmade clothing business. For the first time I order their card reader for my holiday market, received the device in October 2016 just to found out I can’t use the device because I’m not eligible? Why they sending in the first place anyway? Called the customer service and they said, is nothing they can’t do. Wow thanks Paypal.

  116. Beware. Interest rates are sky high and their “arbitration clause” seeks to take any remedies in court away from you.

  117. I opened a claim about a company that took my money and did not provide me the product. After 10 days they closed the claim and now I am without the money and the product. They are as bad as the fraudulent company.

  118. i had an awful experience with pay pal. I created just account with them and made purchase but because a double item I exceeded my limit so they contacted me after days by email advising that I had to pay because they paid on my behalf . I called and paid by credit card and i was surprised the next day to find they went UNDER MY NAME AS PAY PAL PTL LTD was blocked by my bank and had had a very displeasing bank attack. I got charged $54.45 on my bank account that I did not authorize. I was even more displeased when I saw it was only charged to my bank, and not my PayPal account to I could claim to get refunded that way. But after a few calls to my bank to shut down further purchases to my card, and a call to PayPal, everything *seems* to be resolved at the moment, and I have to wait for business days . Paypal, you need to protect your user’s information better, otherwise you will just keep on losing people that are willing to deal with this kind of ** and unfair seller/buyer claims. MY ADVISE: NEVER PROVID PAY PAL WITH YOUR BANKING INFORMATIONS

  119. What a load of sh*t. Paid with paypal credit – went straight off my debit card. Changed the preferred payment method to ‘paypal credit’ and it changed right back to debit card. Phoned them and they can’t do anything to accounts (what are they there for?). Checked online for how to complain and it says “email us”. That section is either not there or that well hidden I’ve not found it in over half an hour. So now I’ve got a dress on its way but I’ll be eating beans till Christmas. And I’m going to end up buying my own clothes back from the charity shop because I have nothing to wear to work. Absolutely don’t do it.

  120. I booked a vacation rental through Craigslist through PayPal. Paypal is supposedly one of the most secure ways to pay, I was so glad to go through PayPal. Turned out it was a scam, and PayPal said the scammer legally stole my money and there’s absolutely nothing they can do about it. And the criminals PayPal account is still open!!!! So he’s still free to keep on robbing people legally, thanks PayPal!!!

    1. I had a similar experience with a company named Boardwalkbuy. They ripped me off and Paypal still let’s them use Paypal and keep ripping people off.

  121. Stay away from Paypal! They are robbers! Paypal advertising the option of making a payment for/from your friend, I decided to try it. For the first time and for the last time as well. I needed my landlord to send back my rent deposit. I sent him the request and he paid. Afterwards I found out the fee is 3% and I was like F*ck, the most expensive way of sending a payment. Whatever. Problems started once (couple months later) he forgot about it, thought it is some fraud as he rarely uses Paypal so he asked his credit card company to cancel the Payment. Card company asked Paypal to cancel the transaction, Paypal took money from my account and sent them back and then let me know about it. So before I had a chance to explain that it was a regular payment and not a fraud the money was already returned to the sender. The final result is: Although the payment did not happened I had to pay the 3% of the payment plus $20 for canceling the payment. What a scam! They have never acknowledged my complains about it and don’t let me use my account until paying those fees for nothing. Paypal never more!

  122. I had an un-authorized charge on my account with ITUNES…their verification process is ridiculous..I did more checking than they did…said it was a “re-occuring” payment I sent up with ITUNES in 2009…Hmm…called I tunes, they have no record of any payment or order from me…and if it’s re-occuring since 2009…why have a never been billed before…they did NOTHING…and will not refund my money

  123. i dont have a paypal account i use the guest checkout and i use prepaid credit cards. i have been doing this for 2 years. alot more in the recent months due to buying alot more for Christmas . well last night i used this new prepaid card and it worked for one payment but then next transaction it didnt. the msg at the top of the screen said. “you might already have an account, please log in”. i was shocked! who opened an account under my email??? so i go to try to log in but no password that i ever used would work so i had to reset. they did send the reset link to my email and i followed the instructions and then they made me go through another security step for confirming the last 4 digits of a card. i had to go through all the prepaid cards i used and finally i found the last 4 digits on a card i used a few months ago, well it worked and i set a new password. after it prompted me to log in and guess what i am limited!!!! they want id and other verification stuff LMAO!!! this is why i never wanted to open an account with them in the first place! i have heard and read so many horror stories! who opened this account? can paypal seriously do this? that is fraud! i never agreed to this! if anyone is a lawyer please help me can i sue them? now im going to have to call them and wait and who knows if they will even let me pay for an item on ebay now! if i dont pay for some items soon ill get a case opened against me for unpaid item and then my account will close if i cant pay for all my items. what do i do?

  124. PayPal is great in the beginning until they started going south. PayPal literally offers you no protection on the seller side. I had clearly outlined in the description that I accepted no returns or refunds. Item was as is condition. Item was described to the T in the listing. Yet, somehow, PayPal refuses to even adhere to it. Not only did the buyer open a dispute and won even though evidence was clearly presented, I had my account in the negative and it was permanently limited the next day. I was out of a PayPal account and out of my money and item.

    I had to take desperate measures and hire Auction Essistance to get me back on PayPal using stealth techniques. It isn’t a great way to get back, but when you are stuck, it may be your only option.

    1. The way PayPal operates is that they only think about themselves and only themselves. Reality is that using PayPal you have ZERO Seller protection. The main reason is because a seller has to get their money from PayPal from a buyer, so the only course of a action for a seller is PayPal. A buyer on the other hand, if they used their credit card, can call their credit card company and file a dispute/chargeback. Immediately, PayPal gets the funds taken away from them, thats the law. So PayPal will do anything and everything to void any funds being taken away from them. So they will kiss the buyer’s asx. and screw over the seller. Thats why you should never ship an item out until the funds are in your bank account. Thats the only way a seller is legally paid for an item. Your not paid until those funds are in your bank account, once there PayPal will never go into your bank account. PayPal allows the buyer to get away with crap and they turn a blind eye to it. Buyers will abuse the resolution system to ask dumb questions, threaten a seller, commit fraud, etc. You call PayPal and every 3 minutes on hold you hear PayPal telling buyers to open disputes left and right. They get sued every single year and jump up and down when they settle.

  125. paypal is a horrible customer service company. they only intervene with customers when there is a a claim or dispute involved. i feel very ignored with this company. not to mention that my account was limited holding a lot of money that i need for transactions. i was limited for a very small reason being that paypal wanted more info on my recent spending/makings which was no big deal but then they refuse to check my files i have submitted paypal is unhelpful to say the least

  126. Paid for goods item with PayPal the money came out 3 days later , then for some reason PayPal decided to take another payment for the same transaction the day after ,which made my bank overdrawn, when I rang PayPal I got some cocky person trying to blame my bank , I told him PayPal had no right to charge me twice, he said we are working on the problem , I’ve now stop using PayPal to buy goods from ,as I no longer trust them.

  127. Looks like there are more disgruntled people than I had expected! Between PayPal and Indianroots clothing who have been sitting on my refund for over 3 months and who received my order over 6 months ago I have been shunted from one to other claiming the other is responsible for the delay in releasing funds. What a bunch of crooks. I think this is just another way of making extra money by collecting interest on refunds owed. That is, if it is released at all. I hope it does not come to that as I plan to report BBB and some investigative shows on TV.

  128. Liars, extortionists, thieves and cretins – not much else is needed to explain this bunch of rich cowboys. I’m fed up of them freezing my money for 7-10 days at a time, each time the items are delivered, positive feedback last, tracking all showing as delivered – but Paypal continue to unfairly hold money, basically making interest, total bunch of low-quality good for nothing parasites.

    1. I just had that happened with a Buyer. I make it clear that I do not do any international shipping, then I ship an item to a US address the Buyer requested me to do. Buyer received the item then made demands for taxes and international shipping and contacts Pay Pal putting a hold on the payment and its removed from my account. First, the Buyer stated did not receive but knows how much taxes and shipping would cost him. Its shady and its extortion but Pay Pal and Ebay ignore your complaints. I have filed 5 total with no contact so Monday I will call them. I feel your pain.

  129. Well, it appears that I am not only one victimized by double charges/billing from PayPal. Paid the item September 17, item successfully delivered.. then boom! another charge was sucked out of my account a month later, October 27, 2016, to be precise. I called the vendor and they have not asked for another payment (true, because the invoice number in BOTH cases is the same). I called and emailed PayPal, and sent me a form letter response, saying that “no unauthorized transaction” transpired. Really? Am I stupid enough to authorize them to pay for the same item twice? So as of now I lost $3,000, and reading people’s comments here, PayPal will do nothing about it. Such amount of money is nothing to the $millions that PayPal earns. I tried to remove my bank from my account but PayPal system will not allow me. It means that they can suck money out of my bank account AGAIN and there is nothing I can do about it. Yes, you say close my PayPal account. But it means that I will give up my lost money, an amount that I cannot afford to lose. If you can give me insights on what to do, I thank you. If none, at least I have expressed sentiments.

  130. The worst customer service in the world. They have no support online of any value at all. I have never searched for a problem and had any response that even relates to what I am searching for. Yesterday I sent a question in on webform about a current transaction appearing twice on my account. I got an automated response breaking down my statement. Looking to move to another pay service. Also amount of time they hold returns before you can transfer back your back is ridiculous. Electronic banking clears money from across the country in a day now.

  131. After making sales my paypal was credited, which was what I expected. When I tried to transfer that credit to my bank account, which was active and good standing, it didn’t do anything….at all.

    It said it will transfer in a few business days so I thought it was easy and fast. The week after I checked my bank account and nothing from paypal, so I went to my paypal account and the credit was still there (good thing paypal didn’t loose it).

    So I tried to make the transfer again…..again it says in a few business days. Next week the credit was still in the paypal account. So I did it again……many times and still the credit for some reason would not want to go to my bank account.

    I tried to email paypal and off course they send an automated reply. Never heard back ever since.

    A decade ago the transfer was no problem but solving a problem with paypal by email was always a headache back then… and it’s still sh!t today. You wouldn’t get anywhere with them.

    Paypal is still a piece of sh!t. I would rate 0.5/5.

  132. After several incidents with PAYPAL going into my checking account for backup charges I am totally frustrated. They are highly unprofessional and do not put their customer first; neither do they defend their actions. PAYPAL has misused my checking account by going into my account as many as 4-6 times on a transaction instead of using my PayPal debit card account when funds are available in my PayPal account. This has caused me several overdraft fees from my bank. The worse part about it is that when you call them you are on the phone for hours, they switch you from department to department and they tell you they are going to do one thing and they don’t. I was charged over $400 in overdraft fees from my bank. They said they removed the back up account but three months later they use my account again. The worse part of it all, funds were available in my PAYPAL account. I understand that several individuals have had the same experience. They monopolize the market because they won’t allow Ebay customers to pay any other way. So far they have provide a refund of less than half the fees they incurred at my bank. Since it was not the bank’s or my fault, they should have refunded all. The fact is they would not have refunded any amount if they thought the were not at fault. This is a Better Business Bureau complaint and there should be a class action suit.

  133. Just recently I had purchased an online code for a game on ebay. I used Paypal thinking they would help protect me just in case I got scammed. Well, I was wrong. After countless mixed messages I was getting back from them, faxing over information that I never got a chance to prove my side of the story, they finally opened an appeal for me. Less than 24 hours later, they closed the appeal in the sellers favor. I had prove that what I paid 350$ was never even working! Even from the games customer service emailing me back stating that! I am in total disbelief. Hard lesson learned.

  134. I used PayPal in the past for immediate payment for things I wanted and was the preferred way to do it by the seller and buyer because it was instant.

    The other day I tried to ,purchase something and sent the seller the funds. He informed me that he wouldn’t be shipping right away as PayPal was not sending payment for three days ! I use a bank account , one that I always had used with PayPal in the past. The was hacking is running rampant these days, I immediately checked that account and it was fine .

    I called PayPal the next day and the customer service was a kid about 16 years old reading from a form – couldn’t tell me why the money was being held back from the seller … just kept reading from the form. He told me Pay Pal is not immediate payment and I should alwqsy infortm the b=seller that payment could take as long as five days to receive !!!

    This is the last F**** time I use PayPal …, if it’ll take five days I’ll use a money order . I’m lucky the seller is understanding and not selling to someone else.

  135. Hi guys! PayPal is VERY vulnarable for fraud! My story: I posted an ad on Kijiji that I am selling a wedding dress. I got contacted by a buyer who offered to pay via PayPal. I received an email from [email protected] with transaction ID, that the buyer sent the money but (now I copy/paste):

    Important Note: This PayPal® payment has been deducted from the buyer’s account and has been “APPROVED”but will not be credited to your account until the shipment reference/tracking number is sent to us for verification in order to secure both the buyer and the seller.
    Below are the necessary information requested before your account will be credited. You are required to ship the item and email We at PayPal the tracking number through this mail
    [email protected] and our customer care service will attend to you instantly. As soon as you email us the shipment’s tracking number for security purpose and the safety of the both the buyer and the seller, the money will be credited to your account immediately.
    **PLEASE NOTE**
    Once the item has been shipped and the tracking number is sent to us for verification, you will receive a “CONFIRMATION EMAIL” from PayPal® Team informing you that the Fund has been credited to your account.
    Thank you for using PayPal!
    The PayPal Team
    VisaMasterCardDiscover

    PayPal customer service advised to call Canada Post and stop the shippment. Canada Post said, once it’s out, they can’t stop it. So now I am left without the dress and without money.

    Where is my fault here?!

  136. Horrible, unprofessional customer service. I called and thought I had resolved the issue only to find out it wasn’t. So an account I do not fund was hit twice for a charge and with that non sufficient charges. I call after speaking to my bank to try and have this sorted out only to be on the phone for over an hour and am offered a very unprofessional email that I was supposed to walk to my bank to correct their error.

  137. I am fed up with using Paypal. I have been using them for 5 years as a business account and too often do fraudulent buyers open a chargeback case that Paypal decides in their favor. It is unacceptable that I have to pay for the cost of goods and shipping only to send it to a seller and have Paypal reverse the funds from my account. Then they also charge an additional $20 hidden chargeback fee when they email they sent me actually stated that I was debited a $0.00 chargeback fee. They flat out lied and I am sick that this has happened many times throughout the years. It’s a large greedy company that doesn’t care about buyers protection. Do not waste your money or time using Paypal

  138. I bought a $100 Paypal prepaid card from a local mart which is intended for my online purchase just for little stuff but didn’t buy any for the last 4 months coz I didn’t find anything I really like . I checked my balance for my prepaid card and to my dismay the balance went down to $80.20 and again I would like to tell everyone that I didn’t purchase anything. I decided to call the prepaid toll free number and found out that Paypal apparently is charging my prepaid card $4.95 per month .
    It is so frustrating to know that Paypal stole $20 from my account for a service fee sort of. Imagine the frustration that I got hearing from their representative that they’re charging my card $4.95 /month. I would understand a one time charge of service fee but imagine every month . If I didn’t check my balance I will end up losing my entire $100 for nothing. Paypal stole my money and they don’t give a damn because it is not their hard earned money.
    I ended up closing my account with them and I finally got the balance through mail. This is not the business that I expect from Paypal. I felt so cheated and lose my money for nothing. My advise to all of you who can read this is NEVER buy a Paypal prepaid card or better yet DON’T entrust your hard earned money to Paypal. I learned my lesson the hard way and I just hope that no one will ever experience what I have gone through.

  139. This company is a rip off. The minute you have a problem with something you buy they freeze your account then tell you its limited and can not be removed

    1. eBay\Paypal sell many fake\fraudulent Chinese imitation crap. Be very careful with iT\computer products as I have found there mostly corrupt chips\electronics that are capable of hijacking you computer.

  140. PayPal has saved me tons of $ today it saved me from a frodulent individual on a sale of 500$ thaks to paypal still have the item to sell and will get my $ worth. thanks PayPal for saving my $ for the 3rd time

  141. PayPal credit card services is a complete scam. I have had minimal payments go from $50 monthly to $300 even asking them if I could pay $50 monthly due to losing my job. Do not allow PayPal to ruin your life by agreeing to their credit card line of fraud.

  142. Paypal is a bunch of thieves They stole $104 out of my checking account, causing me DAILY over draft fees!!!! I am a single mother of 2. I do not have the money to pay for THEM tqking money from me unauthorized. When i spoke to a manager… the told me i would have to get a lawyer if wanted it fixed!!!! I have had paypal for years. Many years of bad experiences. But this by far is the worse yet!!! This company has tirned to shit!!! I will get them paid, (because i am not a theiving piece of shit like them) and then I will mever use them again. And if you are smart, you wont either. Save your money and dont let them scam you. They have many others. I seem reviews about them taking peoples money nefore. I over looked it like a dummy… and now i am PAYING FOR IT!!!! Please save yourself from also being a victim!!!!!!

  143. October rip off.

    PayPal just started converting currencies automatically, instead of leaving them the way I get them. On top of that, they also suggest I convert it BACK TO THE CURRENCY THEY CONVERTED IT FROM, therefore double-charging me on conversion – for which they have **** rates.

    I’m not great at math, but with their fees and the huge conversion rate difference, they’re getting close to 10% fees?!?!?!?!?

    rip off!!!!!! I am going to stop using PayPal after almost 10 years

  144. Dear Paypal,
    I’m not sure how to say this professionally, but i think you have the worst customer service ever. Not only is your service inept and most often not user friendly, but when it comes to any customer loyalty, your rules become strict and unflexible.
    Here’s the history. In march of this year, long before the mlb season starts, i was billed for a full season without my annual consent. Somewhere in the fine print that noby prints years ago, you found a clause that hold me liable until it is specifically removed from my account by me. So, my resolution claim was denied. Ok. no biggie, i did exactly what you instructed. I went onto my paypal account and deleted all of my memberships/accounts/whatever showed up as an annual renewal. Well two weeks ago, i was charged for NHL which was not in my account in march and must’ve popped up the day that they wanted to bill my account.
    So i protested and lost again. Mind you the season does not start for another three weeks, you found this again binding and there’s nothing that can be done.
    THIS IS DOWNRIGHT FRAUD!!!!!!!!!!
    You suck as a company and i will be closing my account.
    There is absolutely no reason to invest my time and money in a company run in this way. Terrible.

    Here’s the best part. I just checked my email, and there was a survey that you asked i fill out last week about the resolution center. i was going to input my disappointment there but apparently, one week is tooo much time to wait for paypal. my survey has already expired! how do you suppose life works for people? Like all events are time critcal and nothing can have borders or boundaries?
    We have nothing but time here so try not to run the company into the side of your house like a 13 year old who doesn’t have a license.

    Good luck to you.

    You are not going to make it on these terms. not with me.

    Sincerely,

    Benjamin Maniere

  145. Worst experience ever, there policies and procedures are very questionable, I had bought an item online and it was not the size it was suppose to be so contacted the seller for awhile with no avail then i lodged a case with Paypal and the seller dragged it out, finally agreeing to refund if i returned the goods, that I did but the next day got a message from Paypal telling me the case was due to close, so i made the mistake of escalating to Paypal to cover myself, big mistake, even though they could see the messages between myself and the seller the fact the goods had been returned with the seller agreeing to cancel the order and refund, apparently offer no buyer protection for items that are not the correct size to what you may have ordered took my money, seller has the goods what an experience,now I’m out the money and the goods, stay away from them !!!

  146. Paypal has asked for personal identification information that I am not willing to provide, i.e, copy of passport and copy of a document verifying my address such as a utility bill. It is forcing me to forego any further dealing with Paypal. They act like the gestapo or SS and will not talk to you on the phone or provide any explanation.

  147. I was a new user to PayPal, I loaded my account per their instructions of going to CVS, use the barcode and paid cash. Easy to add friends to pay, first transaction, not so easy. I was called later by my friend that it was out on a 24 to 48 hour hold. I called PayPal spoke to the entry level customer service, they could not help. Transferred me to the supervisor, they didn’t know why, transferred me to the next level supervisor and was told they will push it through. 3 more transfers and all on hold. Did finally go through. Tried again a week later and it wont go through. Called, same 3 step process and a hour later and they cannot do anything. There is no higher supervisor other than Dan Schulman and no way to contact him. So my money is stuck in PayPal. I cannot get the cash back out. And guess what, no word from the CEO Dan Schulman. STRONGLY recommend another service because this one will take your money and make it a nightmare to use.

  148. Joined paypal yesterday-mistakenly ordered/paid for a part that was already being sent to me.When I called to cancel I was told NO PROBLEM! ALLSET! The short of it is that it was NEVER CANCELLED! Totally lied too!
    FULL OF SHIT SERVICE !

  149. I need help. I hired a web developer and he wanted me to use paypal to pay for a project. I paid for the custom website plugin and the web developer didn’t deliver the plugin. The web developer said to take it up with paypal so I did. I opened 3 cases against the web developer and paypal closed the case and said it wasn’t covered under their buyer protection policy. I payed $600 and didn’t get any thing and paypal won’t help.

  150. Seller Protection is only available under certain strict guidelines.. if a client initiates a chargeback they instantly take the funds from you and close the case…. disputing a legitimate charge according to their policy could take up to 80 Days even with clear-cut evidence that the charge was made in the first place and disputing it only happens after submitting evidence and multiple phone calls.

  151. I’ve used Paypal as both business and personal life. I had the worst experience in my life both times. Paypal really knows how to disappoint!

    Business: Paypal offers no invoice to write down their SUPER high transcation fees as business costs. Paypal always decided in favor of buyers in case of disputes despite we having EVIDENCE to the buyer’s lie.

    Personal: Paypal does not fail to frustrate me everytime I use it. I have to reset my password every time I log in, even though I always document my passwords, so it’s not an error from my part. There’s no customer support whatsoever to speak of. Luckily I didnt have to use for long, except for a 200$ paymen I made with it. Now I’m disputing it, and once I’m done with that I’ll NEVER in my life use paypal again for anything and will advise anybody against it. Even if it costs me more to do so!

    Can’t believe this company exists while offering such a shitty and overpriced “service”.

  152. PayPal is the best! EXCELLENT SERVICE! Returned my money right away when I had my bank file a dispute on a transaction I subjectively felt was not authorized!

    On a related note, DO NOT TRUST Fiverr.com! They are deceptive and have HORRIBLE SERVICE!

  153. We’ve used Square in our business but was forced to you PayPay with our nonprofit software. PayPal has been an excruciating experience. They’ve tied up donated funds for more than 3 months now. Customer service is nonexistent. With no one to talk to or communication avenue, we are powerless to resolve it. Not a surprise to see that PayPal is in a ClassAction suit over putting “holds” on it’s customer’s funds.

  154. I ordered shoes, returned them because they did not fit. Now they won’t give my money back to my bank. I will never order anything online again. They are not to be trusted.

  155. Everyone who runs a small business of any kind, needs to know that Paypal will not support you, defend you, or look at facts and logic when a buy/user of Paypal files a chargeback. I had a person who stayed for one week in one of my vacation rentals, file a claim for “unauthorized use” of their credit card. They were upset because I didn’t refund their damage deposit because they smoked in my unit. It states in the rental agreement they signed, they will not get a refund if they smoke. So they just filed a claim for the entire amount of the week’s rent, and they give you your money back!!!??? As a small business owner who has supplied them with all the proof they needed to LOGICALLY see this was fraudulent, Paypal just said they are the “middle man” between the credit card and the seller (me) and they couldn’t do anything about it… WOW!!! All my friends who sell services/vacation rentals, anything intangible, and accept Paypal, need to understand what risk you are taking, all the while you pay Paypal a nice percentage of the total and have NO protection against these type of claims…. SPREAD THE WORD! PAYPAL DOES NOT CARE AND KNOWS THIS IS UNFAIR AND ILLOGICAL….AS THEY LAUGH ALL THE WAY TO THE BANK.

  156. DO NOT believe their “buyer protection” it’s a scam for larger purchases..PERIOD. They claimed they emailed me when they didn’t. I checked my account which didn’t show anything, my email, my spam and trash (which never get deleted)…NOTHING but AFTER the claim was closed suddenly I got all the emails. Bottom line they offered me 126.05 on a $1500 purchase “as a courtesy” even though I confirmed BEFORE I made the purchase that I would be protected from the very Fraud that occurred. Do yourself a favor and just use your bank!!! At least if you use your bank then you absolutely have ALOT more protection from Fraud and such than you EVER will from Paypal!! Or use a different service period. Paypal acts the way it does because they think their untouchable and have a corner on the market thanks to Ebay. Let’s all take our business elsewhere!

  157. I called on 9/10 to ask for support my account problem and the girl who answered my phone was SUPER SUPER UNPROFESSIONAL and UNEDUCATED.
    This is REALLY REALLY TERRIBLE AND UNACCEPTED.
    If you have money to open the company and run business, you need to spend money to hire qualified staff to do the job but not stupid shit to say stupid thing.

  158. Paypal will not allow me to remove a bank account. I have a back up bank account that should be used but the old bank account, which has zero funds, is getting charged for my purchases. I am up to over $200 in bank fees for insufficient funds for the old account thanks to Paypal. When you go online, you cannot remove your account – it says there are purchases pending, which I know there are not. There is no way to get your bank account removed. Somebody needs to file a class action suit against Paypal because this is a known issue affecting many users. Damages could be in the millions.

    1. i have this same problem and im gonna just have to close my bank account and open another since they dont let me close my old one. thats so they stop using my account w/out authorization

  159. Paypal may be a necessary evil, but this company has extremely poor service. Paypal pulles money from my account quickly, but issues a hold on the funds. Then it takes 3-5 business days to get my money from them. Not happy.

    Whenever i have a problem with my account, the customer service person does not even speak english in a manner for the average American to understand, yet the phone number is a Nebraska area code.

    If you can avoid using Paypal, do so.

  160. I had my account hacked into by these people. Stupid illiterates who just say “I can’t find it”. Well paypal pro you have stolen money from my account and I will see this thru the legal system!!!

  161. Paypal does not honor their guarantee. I was sold a 100% fake piece of jewelry. I provided documentation from certified gemologist, appraiser and jeweler (with photos of the ring in question). The document stated that the ring was stamped 14k but contained no gold and the gem (listed as genuine, natural) was fake. I had corresponded with the seller before I purchased the ring and was assured that the listing of solid 14 k with genuine, natural tanzanite (not lab created or treated) was accurate.
    Then paypal asked me to return the item and submit the tracking information, which I did, as well. Every week I called paypal and they stated they were waiting for the seller to confirm receipt of the item.
    I spoke with paypal on Monday of last week and they repeated this. Today I received an email saying the case was closed, no refund because I gave them invalid tracking information! I gave them a scanned receipt directly from the post office!!!

  162. Paypal sucks
    They almost always side with a buyer even if you are an honest seller
    and it sucks because you end up being penalized by a false complaint of a dishonest buyer.. and after you send proof of legitimate business, they still side with the buyer.

    I hate paypal. We need these selling hosting sites to create alliances with new e commerce sites.

  163. I received this email…
    “We declined your transaction for your safety.
    As you know, your transaction was recently declined. What you may not know is that it was because your payment card wasn’t confirmed. Let’s make sure it doesn’t happen again. For your safety, we must confirm you are indeed the cardholder to prevent fraud.”

    I do not have one on file and after a scammy email like this I will most likely take my business elsewhere. YOU DO NOT EVER SEND AN EMAIL like this to me again! I will finish my set up when I AM ready to. Very cheap, tasteless and unclassy of you to send such a thing.

  164. Paypal is not a truly global organisation. I used Paypal for many years whilst in Australia. I had linked a few recurring payments through Paypal which in turn was linked to my bank account to facilitate all payments. I have travelled on assignment to another country. Paypal security has blocked access to my account as it sees a login attempt from a country other than Australia and will only allow me to login with a code sent to my old Australian mobile number which I no longer maintain. Paypal is unable to update my mobile contact number to my new country of residence, nor can they transfer the account to the new country of residence.
    The only option is to open a new Paypal account in the current country of residence and reset my recurring payments.
    I truly doubt I will use Paypal as I will have the very same issue when I move on
    I am on the lookout for a truly global transactional system to service all my recurring payments which is not bound to a telephone number.

  165. Paypal has held my company’s funds for more than 365 days with no real solid reason. Every call made has been answered differently by different people. They are not helpful and they are messing with the livelyhoods of those who rely on this money.

    33k USD is no small amount. It’s appalling and unfair and they deserve to be sued for holding money for that long and causing business to collapse and stakeholders to be affected.

  166. I have a student acct for my 15 year old son. He has a debit card . If he doesnt have money he cant buy anything, the card just declines. Except for paypal somehow paypal works it as a check and gets the money. I dont like this

  167. used paypal for several years, usually to purchase on ebay, sold an item for the first time, then everything went wrong! they let ebay take their fee, and put the balance in pending mode for a month, like the others, message center and the phone contact met with useless automation, then i found out that a fixme stick purchase a week before resulted in two different charges to my paypal account and the next day and additional charge to my bank account which i had refused to link!!! as soon as i get my money, unless of course paypal are now thieves, i am closing my account. if i have to involve my bank on the internet, what do i need paypal for! paypal now sucks!!!

  168. Paypal is by far the worst site in the world. They withhold funds for no reason, contacting support is impossible, and if you do, they never reply. Phone support non existent. Random fees and charges on transactions. I had a refund, they held it for 2 months for no reason. Insane that anyone trusts this company with their credit/banking info.
    Ad to that the massive password leak that occurred not too long ago.
    I would like nothing more than a competitor to spring up and knock this company out of existence. You’d have to try pretty hard to deliver worse service.

  169. I dont know whats happened to PayPal but they can NO LONGER BE trusted.
    Paypal is holding funds
    refusing to issue a refund from the ‘held funds’ in my Paypal account
    Customer support and help just send the same ‘autoresponder’ email
    Paypal wants direct access to your bank account to withdraw money without your explicit permission even if you have funds in the paypal account.
    Paypal used to be good is now Very VERY BAD
    Sorry, but its my truth with first hand knowledge

  170. I have just started using paypal as a way to know that I am getting my money and not have to rely on checks that can bounce or money grams. I have sold 2 things using paypal as a payment source and I couldn’t be more happy with the outcome. The first transaction didn’t go all that good as the buyer was trying to scam me. They made false claims and I was able to prove that the claims were false. I won the dispute and it happened very quickly. I know if I have any questions or concerns I can always call them and get very good costumer service. They always answer my questions and are always very nice and polite.

  171. tried my first transaction with PAYPAL and its a nightmare. no goods or services were swapped, but they are holding the funds owed to me “because”. they instantly took the money from the other person, pocketed it, hit it with a bunch of fees, and continue to sit on it increasing their return on the money instead of funding it to me as they are supposed to. one customer service rep says one thing and another says something else. to the point of saying “that guy was completely wrong”. doesn’t matter, your rep said it in the recorded conversation then your company needs to live up to it. never will use this company again!!!!

  172. I have been an Ebay and Paypal user for the last 14 years and never had a big problem with them. This all changed when I made an ebay purchase a month ago worth $36 but I got $140 overdraft fees in return. Paypal charged my empty savings account instead of the payment I specified Paypal to use for the purchases. Paypal without my permission charged my savings account twice resulting in the outrageous overdraft fees for the two purchases from Ebay. Paypal then successfully charged the $36 on the payment I initially asked them to. I contacted Paypal via online and phone but they refuse to be responsible for what happened. They even tried to blame me for what happened when I had evidence they messed up on their end. They told me they will send me a letter via email to explain to my bank to waive the overdraft fees, weeks later nothing happened. I ended up contacting my bank to open a fraud claim case, since I did not allow Paypal to make these charges to the savings account but they went ahead and did it anyways. DO NOT USE PAYPAL!!! They will scam you if you’re not careful. They are a fraudulent company.

  173. They are fine when everything is ok. They SUCK when they owe you money. RIGHT NOW: I got a refund from a jerk seller on eBay on MONDAY. This greedy bunch held my money so I asked when they were going to release it THURSDAY. IT IS NOW FRIDAY and NO MONEY. They grab your money in a heartbeat but don’t want to give it back at all. They try to assuage you with Paypal Protection, and you will (SOMEDAY?) get your money back. So it’s really Paypay BULLSHIT.

  174. I purchased dresses from a China based company, Rosewe.com. They were made of VERY poor quality. I tried to work it out with Rosewe directly to send them back and receive full credit. They refused so I used the PayPal resolution center, ignorantly believing that they actually stood behind their customers. I paid $23 to return the dresses via USPS and followed the instructions that the Postmaster gave. PayPal received my information, including the information proving shipment to return address. Rosewe claimed that they did not receive the dresses back, PayPal accepted this as final answer and closed the claim. PayPal’s claim was that I did not provide shipment proof, which I did. When I asked to resend them the information to prove that they items were returned, they said, “Case Closed, sorry”. Very poor customer service, adding insult to injury since I paid additionally to send the package back.

  175. I was just burned by PayPal. Do not trust them with your money. You will only experience disappointment and disgust. In my opinion, based on my own experience, they are a dishonest company. They waste your time and tie up your money. I recommend you DO NOT EVER OPEN AN ACCOUNT WITH THEM. You will regret it.

    1. TOO LATE FOR ME. :(

      I regret using the PayPal account for my business. I had NO IDEA they will put a hold on my money for 21 days and then, it will take up to 5 more days to transfer the money to my business bank account.

      TERRIBLE EXPERIENCE. I would have cancelled the transaction, but this is a new customer and I do no want him disappointed as I am.

      IF YOU DECIDE TO USE THEM, make sure you ask every question, before you process any transaction. BUT first, look for ANY OTHER OPTION TO RECEIVE PAYMENTS.

  176. I made a call to papal about an item I did not receive about a 2 months ago and they were so helpful , super polite and patient. I find with many call centres the workers are rude , unhelpful and cheeky but the person I spoke to who’s name I can’t remember (I think it may have been will) was very helpful , he sorted my problem out straight away with amazing manners and great patients. I will defiantly be doing thing through PayPal more often. Thank you ever so much.

  177. I lost my apartment because of Paypal. I am a new account, and simply needed to make a 550 security deposit to hold an apartment. Paypal would not let it go through because it is a new account. I verified everything I could – phone, account, card, security questions, etc. Bottom line, the security measures in place will not let me make any more payments at all regardless of what I have done to prove who I am and my credit worthiness, and regardless of how small a transaction I try to put through. I now have no place to live and will not have one for another month, because nothing else is currently available. Thank you, Paypal for stranding me in a foreign country. I will never use you again!! Beware of using this service for important situations!

  178. Bad experience on eBay, where they just take money from your account without approval and you not allowed to complain about it. There is not help desk, only automated online replay.
    Will not use them again

  179. Not sure where this PayPal My Cash employee is stationed but I do know his name is John Cubicle# 2179 and Extension# is 5496.

    This gentleman is by FAR the most professional and respectful individuals employed by the entire PayPal franchise. After being hang up on by numerous other affiliates of Both PayPal and PayPalMyCash he was the ONLY person to be of any sort of assistance concerning my matter.
    He deserves a better position then where hes currently at in the company, due to the fact that he can manage it better than individuals currently in undeserved positions.
    please consider moving him up the totem pole of this business.
    Thank you, John.

  180. Big fat Zero. You work hard to earn your money, and then Paypal rewrites the rules on how much of it you get. They hit you with a cap right way, but don’t tell you that they are going to cap your account until after you have signed up and the money starts coming in. Try Squareup.com. Way better.

  181. Paypal is now helping shady seller steal buyers money. I purchased an online software Pindrill from Simon Harries with a money back guarantee. The program did not work and I requested my refund. However they cut me off of the program and said they refunded my money but they did not. They would not respond to any of my support tickets. I sent all kinds of proof including their money back guarantee, the screen shots of them saying they refunded me twice and still paypal ruled for them. Really?!?!?
    Paypal is now stealing from the little guy – watch out.

  182. I used paypal only a few times to buy things on ebay over the last few years. One day, I got an email stating my paypal account has changed to limited use only and to sign in to ask for someone to look into it. I signed in and it said it was limited permanently and gave me reasons to why it MIGHT have happened. I sent emails asking what was going on but they said to reread the unhelpful emails. They wouldn’t even let me give me a proper reason to why I lost access to my paypal account or let me fight for it. So glad I didn’t lose any money through them. If there is another way to transfer money to or from someone, use it. What a scam.

  183. I was due to receive a refund from a previous order yet never received it. It has been almost three weeks and PayPal claims they already deposited the money to my account yet I never seen a dime. I called several times with no recovery at all. During the latest call I was told it could take a month, prior to that I was told 3-5 days then two weeks at most, was also told to ask my bank. I did call my bank with an ID number PayPal had given me and the bank said they have no idea what it is and they can’t track their ID number. I have faced the fact that PayPal is a thief and I will never recomnd anyone use this site ever, you are sure to have your money stolen.

  184. I went to send my friend/land lord my rent check through PayPal, this was on the 5th of the month. PayPal said he wouldn’t receive it until the 23rd of the month. I walked away to call my landlord and see what he wanted to do. Came back and went back, entered his email, entered the amount and clicked continue to go back to the page where it said how long before he would receive it and BOOM it put the transaction through. I called my landlord and he IMMEDIATELY canceled the payment request. Low and behold PayPal waited 3 days to take the money out of my account, now they need 5 days to “verify the request” and 5 days to return the money, which can take up to 21 days according to their customer service recording. I called in and they said there was nothing to be done, the request was automatic, even though it was cancelled literally immediately. There is no need for 15 days minimum for a transaction that was cancelled to resolve, there is no company in the world that takes that long to get money worked around and it’s not for security reasons I can tell you that. Once it leaves my account there is no security needed, that opening has already been guarded or exploited. Seriously, PayPal has gone down hill since Elon Musk sold, USE DWOLLA INSTEAD. Way better!

  185. Worst experience ever. Trying to even get a person on the customer service line is nearly impossible. I’ve been working over a month to get a very simple issue resolved. Finally, after speaking to at least 6 representatives and their supervisor, I spoke to the third person up the customer service chain and the issue is still in dispute and I have to wait another 5 days to even see if it’s been resolved or not. The runaround is crazy. Also, nobody is getting any interest on this account. Why do you have paypal? If there is another option for getting paid go elsewhere.

  186. I have paypal account and my usual activity is paying for some online services or shopping. I also sometimes sell staff on ebay (once in a couple month), and sometimes I receive money from my friends or family. I would say I was very disappointed in their service lately (July 2016). I just received the small amount of $480 from my mom and Paypal decided to put hold on this money!!! They blocked my paypal debt card and send me an email about some investigation, and required proof of address, phone number, Id, etc. I have all this info on my account already!!! Now I need to upload it again? That is unbelievable!!! And I can’t use money my mom sent me???? I would never use paypal again! I would not recommend it to anyone else!

  187. Their terms for transferring money are contradictory from one section the the other! THEY CHARGE!!! When it clearly states that they do not in the first section!

  188. I opened a new account and linked my debit card. It wouldn’t let me send a payment. It gave a weird error code and said that if I continued receiving this error I should contact Paypal. I continued to receive the error, so I went to their “Message Center” and sent them a message about the error code. They sent me a general email about how to send money. Thinking my account was just too new, I waited a week, tried again, received the error code again. I called. The answering system walked me through several layers of menus, then told me, “We are experiencing technical difficulties” and hung up on me. I called back and spoke to a guy who seemed competent but had no idea why my payment wasn’t sending. He said that if I linked and confirmed my bank account, I would definitely be able to send money (even though nothing on the website said that linking and confirming a bank account was required). Paypal “offered” to let me sign into my bank account through their website, or there was a small link that allowed me to confirm through tiny deposits/withdrawals instead. I opted for the latter. The website says sending money is free when you use a bank account, so all the hassle seemed somewhat validated. Then, IT WOULD NOT LET ME SEND MONEY THROUGH MY BANK. I’m not saying it denied my account, or stated insufficient funds. It showed that my bank was linked and confirmed, but it was not an option for sending money. So, I called again. They said that they did not know why my payment wouldn’t send, but they were sure that if I linked a credit card I would be able to send money for free through my bank account.

    It was all just too much. Google has spoiled me and now I expect everything to be easy, awesome, and free, like Google Wallet. PayPal is not easy, awesome, or free.

  189. Do not trust paypal. They limited my account saying that I was doing something fraud. I called them, and the customer service said, they cannot disclosed the fraud to me.

  190. My company has used PayPal credit services (via Master Card Extras program) for a few years and they are by FAR the worst run credit card organization I have ever experienced or even heard of. They are difficult to work with 95% of the time regarding account questions, their fraud program or account payments! My latest problem sounds illegal to me, but is probably hidden somewhere in my invisible contract in font size -50, BUT I did not know that they do NOT permit making credit card payments (to them) greater than $2,500 lest you will initiate a 21-day hold on the funds you just submitted.

    I made a $7,000 payment this month but noticed that although the funds were withdrawn from our checking account, we were not being credited on the PayPal Extras card. PayPal is ALWAYS snail slow at crediting the account, often taking 1 & sometimes 2 weeks after funds are accepted from our checking account. They get to use our company money for their own nefarious purposes while it is in limbo. This time our $7k is working for them, but I don’t have access to it nor did it pay down the credit debt.

    I called and asked an Agent, then a Supervisor then a Manger to try to expedite the process. He said he would ask his boss for permission and that he WOULD call me back. He never did. Calling them involves a mandatory phone tree system in India and always takes at least 5 minutes to get to a human being, so I gave up this time, (just as they want us to do).

    There is only ONE reason I have kept them: They extended us a large credit limit. I am always stressed out every time I have to deal with their “service department”.

  191. an awful company! after 90 days they allowed a buyers to make a charge back and not only keep the items but I had to refund the buyer. there was no seller protection they said.. what a worthless company..

  192. I haven’t been happy with PayPal at all lately. I made my account a week ago, and after I made my first purchase, my account was placed under limitations. This wouldn’t be so bad if it weren’t for the fact that they don’t let me remove credit cards or banks that have been linked and they don’t even let me remove my account. The account is basically useless as I can’t add money because I have been limited and I can’t even make purchases. Extremely disappointed as the case is not resolved an entire week later.

  193. 6/13/16 I requested a debit card. 6/22/16 I was told the card was mailed out. Today i spoke with a manager and he said it was sent today. THE PAGE CLEARLY SAYS 7-10 BUSINESS DAYS!!! The manager and every agent I’ve spoke with are horribly rude. I don’t suggest any one dealing with them.

  194. It seems they lie. Said free return shipping, got defective item and now they want me to pay to send it back!
    I am going to drop them, they lie and cheated me out of $45.

  195. DO not depend on Pay Pal to handle your deposits on an e bay account. They will send the money back to the buyers with out your permission. They actually sent back the deposit to the buyer without my permission And the buyer got the product!!!!!

  196. I will never use PayPal again. I tried making payments for 6 months and none went through. They could offer no reason and sent me to collections. When I asked if the could get rid of the late fees or something to reimburse me they said it was out of their hands because it was in collections. I called several times to fix the problem but no one could help me.

  197. Was subject to a Craig list scam dealing with a high end purchase. I called PayPal and they identified it as a possible scam. Thank you PayPal

  198. My experience with Paypal for business was the worest experience I have ever had. I live in Canada and I have a small business which offers virtual business services, I set up a business acount with Paypal to receive payments from my clients from the states. for the first payment that has been processed for me it was an amount of 750 US dollars first they took 30$ fee and they calculated the exchange rate 3 cents less than the announced market rate at this time. They also hold my payment for 21 days I communicated with them that this fee is for services that I have already delivered to my client and it’s not a product that I am shipping and they have to wait from a feedback from the client to release my payment but unfortunately I couldn’t get the payment to be released earlier. Finally after they released my payment I transfered to my bank account andthey send me a notice that it takes 3-5 days to get the money into my account now it’s over a week and the money is not in yet. REALLY!!!
    Very bad experience, I have to wait over a month to get my money. PayPal is Money and time waste tool. Will find another alternative and never use PayPal again.

  199. I will never use pay pal again in my life they refund the seller after I ship the item back so I lost the item plus $30 for the shipping and they say that they never received the tracking number when I show them proof that I shipped the item so I lost money and they don’t want to give it to me back they suck

  200. I am a little perplexed about the unusually threatening email below this message. I have had a PayPal account for well over a decade, have sold and purchased thousands through PayPal, and have never had a claim against my sales. I have only made claims against sellers who did not ship my merchandise. It seems as though I am being threatened for other sellers’ unscrupulous behavior–I am being blamed for them not shipping items to me.

    ORIGINAL MESSAGE
    ————————————————————————
    ear Christopher Beasley,

    We’ve noticed that you’ve had a higher than average rate of issues with your PayPal transactions. Such problems may include claims you have initiated with PayPal or through your financial institution or bank.

    We want you to be happy with your purchases, but we may find it necessary to suspend your PayPal account privileges if we continue to notice a high number of problems with your PayPal transactions. Pending further review, we may also suspend any outstanding and future buyer protection claims, and we reserve the right to deny these claims.

    We simply wanted to give you a chance to reassess your account activity for the future. You don’t need to take any action, and we don’t require a response to this message.

    You can find additional information and tips about buying and selling safely on our Business Resource Center. After you log in to your PayPal account, click Tools, and then clickBusiness Resource Center under “Grow your business.”

    Thanks,

    PayPal

  201. As a longtime (well over a decade) customer of Paypal, I’m so disappointed with the direction they’ve gone over the last year. First off the new format they are trying cram down their customers throat is a complete failure. It’s clumsy and way harder to navigate then the original. It used to run problem free, now it’s a toss of the dice on wether you will get your orders shipped in a timely manor. The shipping is at best barely fuctional most of the time. Customer care and service has gone out the window. Why they felt they had to change a good working format is beyond me and they are unwilling to disclose the reasons to their customers. As much as I hate to say this, I’m sort of stuck with them for now as we have some 2000 pay here buttons on our web store. But I’m definitly exploring other options. I would not recomend this service to anyone just starting a web store. What a shame.

  202. incredibly slow at transferring money from paypal to bank account. Ridiculous that if i transfer money on a Friday i wont get it till the following Thursday.

  203. PayPal Shut us down never a charge back or complaint. We used it to process sale at our store even leased some equipment.
    We been with them over 15 years you can get anyone to help. The fraud dept says no fraud it’s the back office you can’t call or talk to them even there call center.

    Don’t Use PayPal we went to square should have done that years ago

  204. Your credit sucks ! My account was compromised, my account balances were messed up then while trying to pay it off in 3 months so I have no interest yall denied my payment and never told me . No phone calls because it was no interest? Sooooo you planned to call me when I hit interest and had issues with paying you
    . You all suck and will loose my buisness after I pay . Again you suck !

  205. i prosessed a payment and thay held 700.00 dollars of it for a month thay do not care about the bissness all thay wont is the intrest

  206. I called pay pal 4 times only to get the run around …I tried to purchases on eBay it says use ur pay pal I can’t cuz don’t have password then call over again for pay pal to tell me I don’t have active account create new one when I try it says can’t cuz the email has been used call back to pay pal and get same run around over and over…tired of not getting answers or help so I don’t recommend pay pal to anyone… ridiculous they can’t even help you or want to help just send you to more automated systems to avoid you.

  207. PayPal is going down hill fast…. Bye Bye Baby… say hello to Square. LOL

    Your customer service sucks balls. You had me on hold for over an hour just trying to close a defunct account from 10yrs ago that you won’t stop sending me BS emails about.

    You hold our money as if we stole it and you have to verify we aren’t criminals. It’s very difficult to do business with a company that doesn’t trust in you.

    DC

  208. My eBay account was hacked into and I am missing a lot of money. eBay said I had to speak with PayPal since the charges were through it. I called their customer service twice and was on hold for 40 minutes both times. Each time I heard someone pick up the line and then immediately hang up on me. Im not giving up until I get my refund though.

  209. I went to. Nine 7 -11 stores in colorado springs tonight trying to buy a reload card for my son and every damn store was out #!eho is responsible for inventory the store or pay pal this is bs i will never recomend a card for pay pal because. They say theu are sold everywhere but not in stock so they are not only WAISTING PEOPLE TIME BUT PISSING PEOPLE OFF ONE OF THE BUISNESSES NEEDS TO FIX THEIR ISSUES BEFORE THEY LOOSE. THEIR ASSES! UPDATED A WEBSITE THATS ACCURATE!!!!

  210. PayPal for Business is by far the WORST!!!!!! My account with them is impeccable. ZERO, charge backs, disputes, nor questionable transactions. Yet, I found myself spending a couple hours every other day debating “holds” on my account. I have a business to run and clients to take care of. Chasing and debating about my money isn’t productive. Closed all 4 accounts. “2 Business” and “2 Personal” Thanks but no thanks. Also, quick note. Their Customer Service is unbelievably horrible.

  211. I recently tried to purchase 2 Ipads via ebay.. Although I have a Paypal account, it would not accept any of several Debit or Credit Cards I tried. Then waited on Hold for over 3 hours with pay pal to resolve issue. This is by far the WORST online purchase experience I have EVER had and I feel is completely Unacceptable. Paypal does not update and save billing info. It will always default to shipping address and now I am forced to close my Paypal and file a complaint because this service is just not worth it. It is uncomfortable and feels dangerous due to no explanation other than “try a different credit card” so if there is any viral threat it will have all of your different card information? unbelievable and completely ridiculous. Thanks For Nothing Paypal/Ebay. Bad business, Unhappy Customers and clearly do not want to sell merchandise that bad. You are one of the Many many problems with spending money in this economy for making impossible to conveniently purchase and wasting many hours of many different peoples times to complete a single $300 order. HORRRRIBLE!!!!!

  212. Beward don’t use them. I have a credit coming back of $180 and I can’t get them to post it. They tell me a different amount of time each time I call.

  213. dont use paypal. they have very bad customer service and also they limited my account without any reason and they hold my $4200 for 180 days. now they are calling to my customers and sending the mails to customers and saying my company is scamming.they all are my company existing coustomers.paypal are scamming with companies who are using business paypal account dont use it…..even they are not providing me any solid reason why the close my paypal account…….bullshit paypal service

  214. I will never use PayPal again. They sent me a statement that said my balance was 0 but elsewhere on the statement it said I owed money. I tried going to the transactions online to make sense of the contradictory information, but the details are hard to penetrate and there is NO record of the payment I made the month before so how was I supposed to know what (if anything) I owed?? They said that because I made the payment from my bank to PayPal (as opposed to directly from their site) they do not record that transaction. WHAT???? It’s the funckiest accounting system I’ve ever heard of. I called to get my current balance so I could pay it off then close my account. I sent the exact amount they told me I owed but because it was not received THE NEXT DAY, they charged me a late fee (which I didn’t know about because I thought I closed my account when I paid off the balance). Then because I did not know I owed them money, the charged me ANTOHER late fee now doubling what I owed them! I called to dispute the charges and they made it sound like it was my fault that I couldn’t make heads or tails of their invoicing system and that I should have known there would be a late fee assessed the next day after I called to get my balance due. Really?? “F+” (colossal failure!) for customer service but A+ for aggravating and alienating customers! I have closed my account (I hope!) and told them never to bother me again!

  215. Terrible holds money on eBay payments and does not work with seller. Worst customer service I have ever dealt with.

  216. I never received payment, emailed them 4 times with no response. Also same crap on the phone, only give reasons why you don’t get your money.

  217. Pay Pal has zero customer service. I was on the phone for 20 minutes waiting for some one, than got hung up on.

  218. Do not use PayPal to conduct business. I had two payments from last month disappear from my account. Their customer service dept acknowledged receiving the payments and said I could go online and get them. Guess what? The payments still are not there. I have been waiting on the phone for 25 minutes so far but can’t get connected with anyone. I did 3 more billings in May and they seem to want to sit on your money even though they charge a 3% fee. This company really sucks. You do not want them handling your money.

  219. PayPal is fine for small transactions with individuals but do not use with companies such as Walmart or other companies. Any issue with returns and cancellations will not be supported by PayPal and you won’t get your refund until the company you attempted to purchase from decides to refund which will take 10 days. Don’t use paypal as they are as useless as ebay with regards to complaint support

  220. I am a buyer. I have found the illusion of purchase protection is well and thriving in the cyber marketplace as PayPal is concerned. Please do not make the presumption that PayPal has this plan in place to actually help the consumer. If your dispute has overwhelming proof and evidence that you have performed diligently to be honest and sincere with the seller and you’ve been wronged by no fault of your own, you will find that there is some obscure policy that negates your right to a refund through their purchase protection plan. We all need a better mousetrap.

  221. Received refund for item. Paypal holds your money for 3-5 days until money is returned to your PayPal account then it’s another 3-5 days to return it to your bank. Money’s in limbo for 10+ days. Now I either have to wait to repurchase item or accrue overdraft fees. Awful service holding someones money for that long. Never using PayPal again

  222. Paypal Mycash card is a HUGE joke…. Several people having the same issue for over a year and with little help….

  223. Delaying funds:
    My friend send me 3000 us dollars to me through paypal to paypal transaction,

    For this transaction its charged me 111 us dollars but it this is not informed to the sender,

    And also its taking 22 days to reach me, and this is also not informed.

    I don’t know why they are charging this much money for paypal to paypal transaction and making this much delay.

    For this i can transfer money through any other ways, which will be less charge and quick transaction.

  224. I pay too much amount to you for my freelance work that are not based in odesk or other platforms. I only get charge one dollar in odesk and nothing in guru. Too sad for those living in the 3rd world country, your charges is too much for us. The last invoice i sent to my employer is 356.45 and i only received 340.47. I hope to receive a cheaper service than this. 15 dollars means hours of labor for us.

  225. The customer service is a disgrace. The managers are even worse to talk to. If you want to change your name after getting married, be prepared to give them multiple documents, including a photo ID, because to them a marriage certificate means nothing. Why they need a photo of you is beyond me, but they will bully you into making you give it to them or they will threaten/use a condescending tone if you try and tell them how unnecessary and uncomfortable that may make you. If there is any problems with your account be prepared to wait 3 or more days while they give you the run around and roll their eyes at you.

  226. PayPal Credit is a JOKE! I am trying to purchase a rare drum set off of Ebay. The drums are 1 of the only 50 that will be released in the US. I applied for credit through PayPal Credit and was allowed $2750. That was prefect the drums I was trying to purchase was $2650. So I go through the process of proving my identity. Sending in proof of address, ID and linking my bank account. This process took a hour and half by it’s self. So I get it all done and go to the invoice sent to me and click to pay with PayPal Credit. It goes through fine and then all of a sudden I get a alert from the bank that they tried to take the $2650 out of my BANK account twice leaving me with two NSF charges. I call PayPal Credit they send a letter to give to bank so that the charges can be reversed. Okay, I was good it was a mistake and it was fixed. No big deal. And then the nightmare really begins. PayPal Credit instructs me to make a small purchase first, so I do. It was for $8 and it still won’t go through. I call back and she says wait till tomorrow and try again. I do and still nothing. And then they take the purchase out of my bank account. They explain they are sorry. And I let it go because it was only $8. Then I am instructed to try to send the funds in smaller amounts directly to the merchant instead of through the invoice. I explain to them that I didn’t feel comfortable with that because I didn’t want that amount drafted out of my BANK account. So I go through the process of removing the Bank account from the PayPal Credit account. I am instructed to wait 24 hours so the system can reset. I do that. I tried to pay $20 on the $2650 invoice and still wont work. Try a few more times, a few different ways and still not working. Call back and I am told they have changed something and I should be fixed in a hour. Try then and then call back if there is a problem. So of course I try three hours later and it still doesn’t work so I call back again. This time I am told they reset the system and I need to wait a few days for it to work. So I do so. And nothing. Today I am told that I need to make a history with PayPal Credit before I can make a large purchase. I explained that PayPal Credit wouldn’t even let me use $8, so how can I make a history. So I am closing the credit account. PayPal Credit gives you credit that you can’t use, blame their customers for a poor system, and will feed you BS just to get you to call back and talk to another person so they don’t have to deal with it. Sadly the purchase I was trying to make was very important to me or I would have never applied for the credit through PayPal. So beware PayPal credit is not for a purchase of a item “YOU” want. They give you credit and tell you that you have establish credit with PayPal Credit in order to use the credit they give you. If that is the case they should start a credit limit at a lower amount and up it as you establish the history they want. The worst experience I have ever had with a company. To anyone thinking about getting PayPal Credit and are reading reviews first, “DON”T DO IT”

  227. Started a consulting and business development business last year. Worked with a client who was based on our contract and agreement paying our agreed upon fees through paypal. The total of fees being paid to me was less than $5000.00. Paypal, decides that they are going to put a hold on the account. According to them being it was a new business they were concerned money was being laundered…are you freaking kidding me. They froze all funds and requested that I send a copy of my clients business license along with our agreement and contract. I did comply and they still decided that was not good enough and they were putting a hold on the account for 180 days. I requested that the funds be sent back to the client and to close the account. Several frustrating attempts to have the funds sent back to the client but eventually after hours on the phone it was done, pretty much to shut me up., nevertheless done. I requested the account be closed and we move onto other options. I find out that they reversed a payment made to my client and put it back in the account for $115.00 which was paid to the client before any business transactions. It was like they do what they want to do. Of course I called them, and I get these young arrogant customer service reps in their resolutions department who thrive on the power of doing whatever they feel like they want to do and use the so called terms and agreement policy with paypal as an excuse to hold funds for 180 days. The funds in the account now is not my funds but funds I sent to the client 4 months ago and they tell me they are still holding it for 180 days. First of all I realize this is being done to many customers and I know the interest of all of the funds being held for suspicious reasons builds interest for the advantage of paypal. I know they have had class actions suits in the past and I am dedicating my time and energy in this movement again because it is the principle. I am still appalled at the insinuation of monies being laundered comment. Nevertheless, after research there are several options other than paypal to get your business off the ground and have the capability to handle invoices, etc.

  228. I was on Paypal Since 2003. NEVER had a problem. All of a sudden, they closed my accounts PERMANENTLY and are holding $14,000.00 of MY OWN money for 180 days… They told me it was my credit score, which is BS. Then, they closed my wife’s account cause it was linked to my account. DOESN’t MAKE ANY SENSE….

  229. very very unhappy

    i have spent more than 5-10k using paypal and whenever there is a dispute, the back the sellers and not the buyers.

    better to use them.

    There are cheaper alternatives in today’s world

  230. We have been a long time customer of PayPal and have a business account where we have successfully sold and properly shipped over 100 items in the past year and today we learned that we were “randomly selected” to have the 21 day hold on our funds for the latest purchase. First, this is not your money and you are now making me use money out of my own pocket for shipping that I would have tapped from the funds from the purchase. Second, we have received our funds immediately since our initial trial period of 10 sales and or 30 days and have not had a single issue from buyers on our account. Finally, since this is the only option a buyer has on ebay to use for payment, we are refunding the money to the person and having to explain that we are no longer using eBay or Paypal going forward because of this ridiculous act lunacy when it comes to business transactions.
    And after speaking to someone on the phone about this (after waiting for 20 minutes to even reach someone that was Indian) we were told sorry for the inconvenience. Well, we are not sorry for cancelling our account and never doing business with you or ebay again. There are plenty of other avenues to sell things nowadays and I am glad to not be a part of this scam that is PayPal going forward.

    1. I totally agree, just today I refunded my customer back because I was suddenly put on a 21 day hold. I told the customer that I wasn’t happy with this sudden policy on my account.

  231. I sell sneakers on Ebay. Most are brand new and never been worn. I had sold a pair of Nike Air Jordans that were made in 1999 and they were in pristine condition. I CLEARLY stated in the description of the listing that since these sneakers were so old that they were to be treated as a collectors item only and if the buyer was to wear them they would be wearing them at their own risk. They buyer who bought these from we wrote me and told me how much he loved the sneakers and he even left a positive comment on my Ebay page. However, a month and a half later he writes me stating that I sold him fake sneakers and that they were defective because the heals blew out after only wearing them one time. He also stated that he knew he wasn’t suppose to wear them but wore them anyway and that he should get a refund. I wrote him back and told him that I clearly stated if you to wear these sneakers wear them at your own risk because they were so old. He then filed a complaint with Ebay and tried to get a refund through them and they denied his request because the description clearly stated not to wear them. He then contacted PayPal and they granted him a refund and took the money right from my account and that put me in the negative zone. No matter how much evidence I had that proved my case. I now have to pay the crooked buyer back money and on top of that I have these sneakers that are pretty much worthless now because he ruined them by wearing and tearing them up. I have to honestly say that this experience had made me really afraid to use PayPal anymore. Seeing how they just ignore all proofs of evidence and how they just automatically side with the buyer makes me not trust this service anymore because this could most likely happen again. This is complete and utter neglect on their part and they need to be more considerate of the seller as much as they are with the buyer. There should also be “Seller Protection” too to keep this from happening to other people. People work hard for their money and shouldn’t be penalized for ignorant people who don’t read and understand what they are buying.

  232. I’ve been a loyal patron for over 90 days. I was doing fine but for some reason PayPal decides to start collecting interest off MY MONEY by holding all of it till the last moment. I cannot run my home based business without my funds being released, it’s now putting me in debt and unable to purchase goods to sell to the public. And the thing is; I have a 100% outstanding track record, no complaints, no returns, nothing! Their customer service department also needs to have people that speak better English; it’s insane how fast, muddled, and broken her English was. I am 100% dissatisfied with their services. PayPal is a joke, if you’re that desperate, they make you pay over a 100.00 a month for “better customer service”, over 400.00 a month if you want quality service, nothing but a shame to line their pockets.

  233. as a buyer, customer service is deplorable. Just because the seller has a tracking number does NOT mean the merchandise was sent to the buyer. Paypal is NOT interested in complaints of non-delivery if there is a tracking number. Admittedly SOMETHING was delivered SOMEWHERE, but not the paid for merchandise and not to MY house. They closed the claim as soon as I gave them the tracking number and they saw that something was delivered somewhere in my city, NOT to my address. Pathetic! This is the FIRST time that ANY seller, eBay or otherwise has NOT delivered on a sale and I have bought at least 100 things a year for 10 years or more. This seller failed to deliver this same item 2 months ago and CLAIMED it was mis-delivered to someone else who contacted HER by EMAIL??? How would he get her email? This good samaritan sends this item back to her in Kansas instead of delivering it to me in the same city. Now, same item mis-delivered a SECOND TIME. How likely is THAT??? Paypal does NOT care, just wants to close the case. I will NEVER use paypal again, since it offers NO PROTECTION WHATSOEVER to the buyer.

  234. It’s a big deal to withdrawal money from your PayPal account into your bank account. It takes way too long to receive your money. Customer receives item before you even receive your money. PAYPAL 0 stars!!!!

    1. I agree with you. The most ridiculous service I have EVER used. 1 1/2 hours on hold to get money released and still wont be released for another 7 days, which means 11 days from date money was originally sent. I will NEVER use this service again to send money. Use Moneygram or Western Union, faster and more reliable by far.

  235. I waited 5 days to be able to access my funds. Finally, When I could, I had to call customer service to figure out how to access it. After finally I figured out how to access it, I found out they took $35 off of it. This is fucking bullshit. Venmo is way faster and doesn’t steal your money.

  236. They are holding $63 Million Dollars in our business and has totally crippled it! There was no refunds requesting. No fraud, no nothing. Business was incredible. Their excuse was we grew too quickly. We have dropped from top 1,000 Alexa rating to 1500 and still dropping. It is ridiculous what power a pay source has over a business. Over 90% of the people came into our business with PayPal and now they are holding the funds for a 180 days for $63 million dollars. I went from $13,000 a month income to almost nothing. 2.8 million people in our business that can not get paid. The only weird to describe this is CRIMINAL…

    I had even read where they had Christmas fund raises for kids in major cities. PayPal said the money was collected too quickly. Froze the account for 6 months and the kids did not get the toys that the fund raiser was being used for.!
    I think that says everything that needs to be said about PayPal.

    There are things that other pay sources need to implement that PayPal can do well and give us a real business to go to away from PayPal. I know of 2.8 million personally that would sign up there tomorrow! What they have done to us is criminal, and life changing. No pay source should have this much control!

  237. Set up an account to use for security purposes in purchasing stuff online. Little did I know they set me up in a credit account, and after buying $450 worth of merchandise and two months later I received a statement saying I had to send in a check or money order for the credit I received from PayPal. I never wanted the credit and here I am two months later paying for merchandise I thought came out of my account two months ago. I will never use PayPal again…

  238. I have been using PayPal for business, personal, and non-profit transactions for nearly 20 years, now, and have had an excellent rapport with them: In my experience, their customer service has been second only to that of Apple, Inc.

    Despite occasional eBay issues (with unscrupulous buyers and sellers), PayPal has never failed to act expediently and decisively to resolve issues in my favor.

    Perhaps this is due to my longevity as a stellar customer, and the fact that – realizing that challenges arise in day-to-day business transactions – I do not initiate my requests for assistance or clarification with profanity and abusive tone.posturing?

    I highly recommend PayPal for their favorable international exchange rates and near-universal acceptance.

    We have used their services for our corporate payment collections and financial transactions (transferring directly to our bank accounts on a daily basis) with eminent success for over ten years now, integrating our shopping carts and inter-account financial movements seamlessly… finding their structure and charges substantially more favorable that prior merchant account service organizations.

    While I can sympathize with those here who’ve not had similar positive experiences I can only share that in my personal and professional experience, PayPal and it’s representatives have never failed to step in an assist with problem resolutions in an empathetic, expedient and decisive manner…, and for that “usual and customary” level of customer service and support, I remain most grateful.

    And no – I am not affiliated with nor employed by PayPal in any capacity, nor am I related to anyone remotely connected to their firm.

    1. Hi Stephen,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  239. I seldom use paypal but someone needed to pay me $500 and wanted to do it by pay pal.
    So , since I did have a paypal account, I said OK, to go ahead use paypal. And I received the $500 into my paypal account. So far so good.

    Then I tried to withdraw the money and transfered the $500 into my bank account.
    My paypal account said: “transfer completed.”
    I checked the bank account – there is no sign of transfer- no deposit no money. I called the bank- they had no sign of any transfer either.
    I recieved an email from Paypal asking for my bank account number. The email looked very real so I entered the last 4 digits of my bank account.

    I called paypal and said: “my account on your website says that the transfer is completed but fmy account at the bank has not received any money.”
    I went through two representatives ( both were vert rude and acted as if I am disturbing them. )
    I asked the first representative if this could be fraud or a fisching scam email.
    She asked me if I clicked on any links in an email that paypal appeared to have sent me. I said that , yes, I did click on a link.
    She then started yelling in my ear: NO! NO! NO! NO!. in a thick accent. (She was obviously venting herself at my expense.)
    I dont know who trains these representatives.
    I rechecked the ballances at paypal and the bank. Paypal said :”transfer completed” the bank says:”nope, no money”
    I called paypal again.
    The second rep was a a guy who said that the delay is because the bank has to “accept the transfer” and this was the delay.
    This is the first time I have heard of the bank having ot accept the transfer like individuals do.
    I said to him that I just spoke with the bank and they have no record of a pending transfer.
    He said it would take 3-6 business days. At least 3.
    I said to him: ” I thought you said the delay was because the bank had to accept the transfer.
    The line went dead. He hung up on me.
    I think paypal is holding on the money that they are supposed to be transferring to the bank so they can get a few more days of interest on it.
    And instructing their reps to lie and say that its the fault of the bank for not “accepting” the transfer.
    The reps are out of control.
    I will think twice about using this service again for any amounts more than $25 to $50 for buying at ebay.


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    1. RT I think that you have had exactly the same $500.00 experience as I have had.With no input from myself out of the blue apparently I Instructed to transfer $500.00 from my debit card to my paypal account . The worrying thing is that the E Mail that was sent to me has my correct name and last 2 digits of my debit card. This transaction DID happen but knowing that this is a scam I withdrew all funds from my debit card. My bank charged me $5.00 for a declined transaction. And now I have a $500.00 transaction fail showing in account activity in paypal. I have sent an extremely detailed E Mail to paypal and now waiting on a reply. I have instructed my bank to decline any inbound or outbound transactions from paypal. And just to be absolutely sure,I formatted my hard drive and reinstalled the OS, because I am unsure if my OS was infected.Only then I changed my password on PayPal. RT If you can you should do the same as I have.

  240. Currently on hold with PayPal.com and the level of respect at thus point is as low as it can be. My brother who has the same last name as mine sent me money electronically. Since the way he sent it to me was not the standard method of transfer, they are keeping me on hold, for what has now been an hour. They are on speaker phone so I can’t see just how long they will be keeping me on hold for. They want to hoLd my Money and My Time.
    Worst Experience Ever


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  241. I am a seller who uses PayPal on my website.

    They have been good most of the time, but when you need help, their service is really atrocious, I had a scammer buy two products from me and then claim undelivered 4 days after I shipped, PayPay refunded them before the product arrived, and then when it arrived will not open up the case again, even though I have proof it arrived.

    This scammer got to rip me off and PayPal seems totally OK with that…


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  242. I used to love PayPal until I recently had some issues both as a buyer and as a merchant. Then I realized PayPal is all about PayPal. They keep your money at both ends. Very greedy company and difficult to contact and dispute things! So adios PayPal I am sure there are better ways to pay and get paid out there.


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  243. I had paypal for years and was very happy with it until the bank notified me that I needed to add funds to cover a paypal event. I looked at paypal profile and they had someone I never heard of as the “Primary” and they were trying to get $500 from the bank (backup funds). Luckily for a change it was a GOOD thing I didn’t have any money in the bank. I had to cancel my account and put a hold on my credit and it has really been a neusense!!!!!! I don’t know how someone changed my primary unless they worked there.

    I would advise anyone that has a paypal account to keep an eye on their profile for any changes.


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  244. If you have a problem, forget FORGET getting help from PayPal. I ordered an item and the website gave me a total. I paid through PayPal which also gave me a total. I pressed pay and it gave me a NEW total adding shipping which was on none of the other views. I told the company immediately to cancel the order and opened a dispute on PayPal. Five days later, I emailed the company again and they told me that they had not received the payment from Paypal.

    I checked my checking account and Paypal account and the money WAS taken out of my account. I tried to call Paypal but the phone number was not available. So I typed an email, on their site, but “something went wrong” and it would not send.

    So I then googled and got the phone number. I called and had to give all of this information before I got a human. Once I got a human, I had to give all the information AGAIN.

    They then informed me it would be another 10 days, or more before I got a refund.

    Bottom line, if it is not an ebay purchase, do not pay with paypal.


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  245. paypal stole my money.. Netspend said i owed them money so paypal decided to take my new card i bought and the money i loaded on it and paid Netspend.. I never had a choice to pay Netspend.. I dont owe Netspend and paypal never disclosed they are affliated with Netspend.. paypal stoled all my money that i needed to pay my rent with.. My family and friends are very upset and have reported this theft and deception to Better Business Bureau, Consumer Protection agency and am im filing a law suit.. I was not given the a choice what todowith my own money and Paypal never disclosed they are affliated with Netspend.. They robbed me of my money and will do the sane to you.. Dont trust them.. I never owed Paypal and i didnt consent to paying Netspend.. Netspebd should have filed a law suit if i owed them anything.. I dont do business with Netspend because they practice stealing money from consumers with fees.. Now after i closed my account with them they created that i owe them money when i dont.. Paypal should ne er have given them my money… This Paypal is a cover for Netspend..


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  246. I am very disappointed in paypal, I have been using this service for 4 years without a hitch. a couple of months ago I decided to make use of the pay pal credit portion, much to my dismay when it was time to pay the bill there was not possible way for me to do this online. I know that I probably should have called customer service sooner than what I did, but I diligently tried to pay this bill online for almost 3 months. I accrued more than $90 in late fees. I spoke with a pleasant customer service rep today, her service was adequate but there was nothing to be done for the late fees and no explanation why I could not even get the credit portion to link to my existing account. I am very disappointed and out almost $100! Very upset about this and will be spreading the word that paypal, although their normal services are a nice feature to have, I would not recommend opening a credit account unless you want to be screwed out of your own hard earned money.


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  247. I am not sure why there is no competitor to Paypal that we can switch to it? They give hard time to every person, they Hold my money for more than 3 month for no reason, and system was showing paid. And they just tell me appology and wait for another 3 days, you can imagine how many days are in over 3 months? Their customer service looks like very cheap and non professional who just start working hours ago, from Zero. lots of mistakes. I just read complain and complain about Paypal every where. Really not sure why a big organization like government do not shut them down? holding money for no reason for 3 month is Fraud, and they still in bussiness!!!!! We really need a good replacement for this Junk which is acceptable by Ebay too. If my customers in Ebay could pay by any other method other than Paypal, I would not stay with them for a second. unfortunately, the main means of transaction on Ebay is through Paypal.


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  248. New Sales Team support is very unprofessional!!
    I just call to see how can I use their service to charge my client’s credit card; I was asking questions and the person there ( a man) was answering the same information over and over, I ask a different question and the answer was the same, I ask again a different question and all of a sudden I hear a “click” HE JUST HUNG UP ON ME.
    I’m a new customer trying to get their service and the rep. Just hung up!!
    Well, well … If this happens to a new customer, I just can’t imaging how it will be if I call customer service support!

    I’ll will say…. Run away!!


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  249. Come on CPO. I have faith in the fact the you score’s and rating are calculated with proper due diligence. However, with PayPal I find it hard to believe that you score’s are as high as they are. The reviews clearly speak for customer service, as you note in that particular category, but clearly shows much worse issues.

    The fact that PayPal is not a bank, and does not have to follow FDIC policies, does not mean they can commit which essentially is not far from fraud and theft. No company, or person for that matter, can withhold and literally “take” money without any legitimate authority or explanations. Clearly, the 100+ comments on your site show this illegal activity. many other sites do as well.

    PayPal has recently lost “settled” a class action suit resulting in the reimbursement of money lost by it’s customers for the same reasons that the 100+ reviews have complained abut for the past few years.

    I believe your scores should be based on reviews for PayPal and adjusted accordingly to all classes. The action suit is a huge indicator of much worse business practices than customer service and does not warrant A or B ratings of any kind. As far as the BBB is concerned, we know it is an independently owned franchisee company. The BBB offers to it’s as service where subscribers are offered financial and marketing services. Therefore, I do not hold much stock in believing the BBB with its ratings, especially with PayPal who is most likely a huge “contributor” to the BBB

    I think it’s time that you either become a “Yelp” (who should be the least trusted) review service or maintain a completely non bias service that can be trusted by your readers and reviewers.

    1. Hi John,

      Thank you for the comment, and we do appreciate your concerns. You are correct that many people have had issues with PayPal; however, their service does meet the needs of millions of other users without issue. Is PayPal perfect? No. Is PayPal the right solution for any type of business? Definitely not. Yet, they do fill a need for those businesses of which a traditional merchant wouldn’t be the right fit. Users that have issues with PayPal typically fall outside of the type of businesses that should be using PayPal in the first place. Either because they are selling items prohibited under PayPal’s terms of use, taking large transaction, or a high volume of payments. Though, of course, there are exceptions to this where seemingly innocent sellers get caught up in the collateral damage of overzealous fraud prevention policies.

      Unlike the BBB, we have an expertise on this industry and look at the big picture. We also do not have membership or “accreditation” fees that very often seem to influence BBB ratings. You are free to disagree with our rating, but we are confident that our rating truly reflects the company as a whole.

      1. Thank you for you feedback. The link provided below is from the class action suit. It supports what customers have been reporting for years. I do understand your comment about the number of comments vs the number of customers however, there are many that have no choice to date. Thousands of eCommerce stores, ebay sales, etc are simply too small to pay the high fees that the full service processors charge. I have had a customer back charge issued by PayPal without allowing me the opportunity to prove by signed contract the customer’s failure to honor his reservation for an event. I lost money as I had to pay in advance. With that said, what other choice do I have but to contimue to use this horrible company. I’m simply too small for the gateway fees , processors and bank fees. And keep in mind, based on what larger merchants pay their processors, PayPal is extremely high. We are not only forced to use them but we are paying out the ying yang for it. So, there are more small merchants than you think that are being screwed each and every day by PayPal but just dealing with it.

        Please read and ask yourself if this is a B rated company! I also believe this is only the beginning of lawsuits against PayPal.
        https://www.accountholdsettlement.com/

        1. I was employed with PayPal for 13 years We as employees made this company great until about 5 years ago Started going down hill PayPal no longer cares about their employees or their customers I have just closed my PP account after all these years after loosing 19.95 to a scam merchant that is using PayPal PayPal protected the crook not the consumer Will use our credit card from now on PayPal can not be trusted and hold time is horrible They have been firing long term employees and hiring in another country to take calls Just a matter of time they will be going down HORRIBLE COMPANY


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    1. Just a quick update!

      got the $$ back, but it went to my Paypal balance(why?? it came out of my checking??) Just transferred it back to my bank and Paypal says it takes 3-5 days: “depending on your bank” which is not right either. Just got an international transfer to my bank in 22hrs….
      So at this point i will file a complaint with the BBB. I would have left one with at Yelp as well, but VERY surprisingly: PAYPAL is not even listed at Yelp!!!!
      Try to remove your business from Yelp……
      I know you (Paypal &Yelp) don’t care and i’m really sorry i’m bothering you with this.


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  250. I this “PAYPAL” is an absolute easy way for fraud. Ive been notified on numerous occasions that my account had been logged on to over seas. PayPal asked me to make my profile more Secure but that had not changed anything. I do NOT trust it! What a scam.


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  251. Assume paypal & paypal credit are linked? NOOOO! Therefore, when you update your personal information would you assume everything is updated for both? NOOOO! Especially when you only have one login for both. Conclusion: DO NOT sign up for Paypal Credit!

    My account is now closed.


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  252. Paypal is completely unregulated. They will hold your money. For days, weeks, even months. Often for as long as 6 months. Why? Because they can. Because credit card chargebacks are valid for 180 days. So if they hold your money for 180 days, there absolutely is no risk to them. PayPal people with say, if you are legit, you don’t have to worry. But when it is PayPal that determines if your are legit, and there is no one that can regulate them, it makes them more apt to abuse the system and do whatever they want. So close your PayPal Account now. Don’t risk having your hard earned dollars held in limbo. Credit Card companies will at least work with you, and are federally regulated if they don’t…


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  253. Paypal Credit signed me up without authorization and refused to acknowledge my letter asking the account to be closed. I have paid for all legitimate purchases, but they are hounding me for $500 in interest in penalties due to the delays on THEIR SIDE acknowledging and processing the cancellation.

    Their customer service is a joke. I spoke to a supervisor who sounded positively gleeful as she informed me that Paypal “will never stop collecting every penny that we feel is owed”.

    Another joke – I have a corporate account that did $1-$2MM of business with Paypal (not paypal credit) this year. Now that I’ve seen how Paypal handles issues where Paypal itself as at fault, we’ve transferred that business to another provider.


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  254. Hey all,
    Came across this article on the Business Consumer Alliance website and it looks like any of us who have basically been victimized by PayPal may be able to recoup some of the money lost. I know i had my account put on hold for a while and no one could really give me a good reason why. The class action law suit went in favor of the consumers and we may be able to claim some of the $4 million dollars they are forced to now pay. Here’s the story: http://www.checkbca.org/blog/2016/1/paypal-to-pay-4-million-to-settle-class-action-suit-317

  255. PayPal is a JOKE!! I have waited for over a month and COMPLAINED over 4 times about not Recieving a check request! They owe me money and have ” no idea why you have not received your funds yet. It will take another 2-5 days to research and we will contact you.” SERIOUSLY!! I just want my money!!! I will NEVER use PayPal for ANY OF MY BUSINESS AGAIN!!


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  256. Don’t do business with PayPal. I had credit card deposits into my account and then when I tried to use the funds they froze my account and required “resolution”. I have to supply all kinds of documents and I still don’t have access to my money. I recommend staying away from them.


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  257. Not a secure platform. My account was hacked and my paypal credit has been being abused by unknown/unauthorized parties. I called paypal many times and they said they would try to resolve this issue and they really didn’t do much. They at least could have shut down my account since I initially called them when my credit balance was around $400, and now it is over $1,000. I now have to file a detailed police report. I would be extremely careful using paypal and doing transactions through this avenue.


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  258. I widthraw manoey from my Paypal to Bank account in Canada, requested Nov.16.2015, Still not received my money, Paypal showing completed, Bank saying not received it. at least 20 phone calls and Messages, they created a Ticket for me to track it. end of Dec.2015 one of the Paypal attendants told me on Phone, SORRY.. the Ticket was not issued propelry so it did not sent out in deed. He said I will creat another one…. Long story short, my money is not received, I just received rsponses that appology and wait and wait…. soon it is 2 months I am waiting for my money…… This is really not acceptable. The attendent who answer the phones look like too green and not trained, they are lost….. What can I do ? talk to my lawer?


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  259. I am novice seller. Sold 2 items on ebay and they both have been charged back by the buyer. Now, Paypal has asked for proofs and after reading so many reviews am convinced, however convincing I am paypal will favour the buyer. I have -ve balance on the paypal since I already transferred all the amount to my bank from Paypal. Question is worst case, they would freeze my account? Am anyhow not gonna want to deal with them again. Will they file a lawsuite or something to claim the money about $750? I am gonna close my linked bank account(Anyhow I was planing to) and change credit card numbers that are linked with paypal. Whats the right way for me ? Please guide.


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  260. I recently had miney stolen thru Paypal. When I reported it, they said yhey were already aware of the fraudulent charges and that I would be reimbursed within 10 days. They then proceeded to allow the same person to charge another $400 on my account and now, 17 days layer, not only have not reimbursed me anything, they won’t tell me what is going on. Sucks for them that I recorded all phone conversations with them – my lawyer is salivating. Save yourself the trouble and avoid Paypal.


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  261. The absolute worst. I’ve been trying to send payments to different people, and only one passed out of eight… after I talked to customer service. The rest just can’t be sent. I’ve already “waited” for over a week. I’ve missed out on deals because of their shitty system. Try not to use PayPal if you can help it.


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    1. I am definitely a dissatisfied customer….Paypal hold your money if you make more then a balance of 500.00 for 30 days…I own a rental business and if anyone knows there is bills to be paid…the week of this Christmas they decided to hold alot of my income money that i needed to pay bills to make sure my tenants are well taken care off in my weekly rental. They explain because some transactions were done over the phone its security risk…first time i heard about it….but yet its ok to swipe card and it will go through fine….and its okey if you are there where tenant …who’s to say i was or wasn’t…so while they hold money a person can leave town and dispute charges and leave you stranded ….with weeks of pay….and they also will hold money if you make more then a substantial amount for 30 days until they feel fit to give while telling you we have another program you can do payments over the phone and its 30 a month….sounds like this is a scam to get more money out of people….holding money to make you have to purchase their program….very bad business indeed…as soon as they release my money i will no longer use their service…you can not run a business that way…waiting to get your money every time your paid if you go over a 500.00 limit……they should be shut down…a business runs on cash in cash out…not holds…i worked in a bank for five years and never seen such nonsense….no one should dictate how much money your business brings in…but the fee they are to receive from it….i will dedicate my life to making them shut down…


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  262. I have had an account for many years but recently Paypal has changed their policy in that even thought you have selected how you want to pay for your purchase thru their services ( say you want to pay with your CC on file), Paypal will completely ignore that and charge you however they see fit.

    NOTE to consumers RUN RUN RUN. I will never use there services again to pay for purchases. They depleted an account that had few funds instead of using the account I requested. NEVER AGAIN.

    And when I called to inquiry why this happened the representative hung up on me……………..


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  263. A charge of $1,200.+ appeared on my credit card, bill after paying for a product through PayPal. Visa refunded the amount, and I finally was told by my credit card company that other complaints had surfaced about fraudulent charges after using PayPal . Then PayPal refunded the amount, so I notified both PayPal and my credit card company that I had been doubly reimbursed. They settled it between the two, and I have never since used PayPal.


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  264. I signed up, logged in, went to confirm bank and entered all the necessary information with %100 accuracy. 2 days later I receive an email saying that my account was disabled and that I was required to send a photo of my SSN, my license, and proof of my address through PayPal’s resolution center upload to prove that I am the true owner of the account.

    Rating: 2/10 – Even though I provide all the necessary bank info, I don’t understand why they would want more from me. I also wish they would be more honest about when they’re going to give me my account back as well as access to my available balance.
    Customer Service: 5/10 – The customer service I had was nice, but even though they said everything was resolved… I’m still locked out my account. It’s been 2 weeks.

    So, if you use PayPal.. I wish you the best of luck and I hope you don’t have to go through this!


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    1. Be very careful about sending photo copies. You may have been on a “look alike” site. There are many out there that you would swear it was them. However, if it was Paypal, don’t send them anything like that anyway. Remember, they are not a bank and do not have to follow any FDIC or other banking laws or rules!

      1. Which country are you referring to?

        “Be very careful about sending photo copies. You may have been on a “look alike” site. There are many out there that you would swear it was them. However, if it was Paypal, don’t send them anything like that anyway. Remember, they are not a bank and do not have to follow any FDIC or other banking laws or rules!”

        In the European Union, Russia and many other countries Paypal is bound to the same laws and legalization as any bank. I doubt paypal has the right to make their system prone to corruption, tax fraud, terrorism, and other illegal activities and thus is by law forced to put everything in place to prevent their service from being misused for this.

        1. Excuse me? I don’t believe I said anything about corruption, tax fraud, terrorism. Where did you read that? Nothing like making things up in your head! And I am referring to USA. I could care less where you are from but if you look up the ownership of PayPal, you will find they are not a bank. Therefore, Paypal does not have to abide by the FDIC laws. Meaning, you are not protected by the FDIC. It’s as simple as that.

  265. THE BIGGEST CRIMINAL ASSOCIATION EVER. THEY JUST FREEZE MY ACCOUNT FOR NO CLEAR REASON. THEY CAN HOLD MY MONEY FOR 180 DAYS. I CANNOT DELIVER MY CLIENTS BECAUSE I NEED THE MONEY TO BUY THE MERCHANTS AND I LOOSE ALL MY CLIENTS. IT IS MY MONEY AND THEY DECIDED TO KEEP IT FOR NOW. UNBELIEVABLE HOW THIS IS LEGAL


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  266. Paypal is not like a credit account or bank account. I was frustrated with paypal and removed my funding source to prevent future transaction but now they won’t let me close my account with setting my account up again (I don’t owe money and have a zero balance). This process seems fraudulent to me and they seem to go out of their way to make it extremely difficult to close the account. After this experience I have sworn off paypal for good and would highly recommend others find another form of electronic payment.

  267. I feel it is not right that someone make a purchase from my on ebay and pays for that item to be shipped that if I do not have the money to pay for the shipping I cannot use the money the customer paid me to ship the item. If they paid ME to ship the item then I should be allowed to use the money the customer paid to ship the item. This is not right. I feel this is a rip off. I pay ebay fees, paypal fees and still cant even ship my item with the customers money they paid to ship it.
    Frustrating

  268. PayPal Merchant Services has been the worst experience I have ever had. Their customer service is a joke and I would never recommend them to anyone. Go with the bank that you have your business account. The fees are cheaper and they care that you get service.

  269. Pay Pal has made a very simple return transaction impossible. Their representatives were insensitive and unyielding as I requested an extension for time needed to return an item. I was away due to a serious family medical emergency. I will never use them again.

  270. Obviously, PayPal is there to protect the seller…screw the buyer. I bought a tablet…it was never delivered…the post office admits this. The I paid $139.99 for the tablet and the seller only insured it for $50 dollars like a dumbass. Who does that? Now PayPal says since they mailed it…I am out the money and the post office is responsible. WTF? I will never recommend PayPal for anyone…they are f’d and I am sick of these sellers getting the best of the buyers and having these m’f’ers cover for them and protect them! GTH PAYPAL!

  271. Their customer “service” department has been condescending and unhelpful. I have called PayPal over many times. I never talked to the same person to discuss my progress. Each person has provided me with different direction from the previous person. this was very frustrating. Their eBay Money Back Guarantee process is handled unprofessionally. I would not recommend to do business with PayPal and my bank agrees. Their handling of cases is horrible. The company vision is very poorly implemented. I used to be one of their first customers.

  272. very very worst service and worst reply from the customer care., initially they release the amount then they block my account and ask for some details i added many .Then they had restored my account then when i receive the $1300 to my account next day they blocked my account like ., your account has been permanantly blocked and money also u can withdraw after 180 days tat too nt true . simply they need money so doing this method from the account holder for this u can F*** paypal S**** . They had thefted my work time and everything has been wasted .,To many persons they doing like this only in india

  273. Don’t get involved with Pay Pal they are a scam !!!!!!! When you call them in India they play the phone game and direct you to another idiot down the line without a clue. They hold your money for unknown reasons . They make millions off of your money in interest .I don’t have a bank account . I used there system to buy and sell on ebay it was ok . I used there system to sell from another buyer and could not get my money added to my account without a bank account even though I gave my CC # to them. They charge too much when it should be free . You ask why it should be free ? If you had billions in holding could imagine the interest generated ! I have gotten a temporary checking account for now and will be closing there account as sone as I clear this up.Use a money order to sell and your CC to buy the are more secure .

  274. Terrible web service. Wish it was never involved with ebay. Makes selling and buying a pain in my rear end. I can not believe they are allowed still to be up with the amount of problems they have. If I had to say what is the worst thing on this earth, I would say PayPal.

  275. I placed a order that simply said the purchase price is $70.00. After placing the order I realized that the order was in China, which I don’t feel comfortable with ordering across seas. They charged me $80.08 instead of the detail price on their website of $70.00 & free shipping. I called Paypal to cancel the order while it was still pending. PayPal was not helpful at all they would not cancel the order. So now my hard earned money may go to waste. Who knows I may not even receive the item. And if I do I will be returning it because I’m sure the item isn’t authentic. And who knows how long I’ll have to wait to receive a refund. I am very dissatisfied with PayPal and will not be recommending them to anyone. In the coming week I will be canceling my account.

  276. They worse customer service ever. I called six times, got six different answers and not results. I will never use paypal again. Works great if you don’t have a refund or return, bought 60 items no problems. But when things got messed up it was ring around the rosey. Still waiting on a end result and it’s be a week.

  277. I called 877-658-5919 thinking it was pay pal. He said he was pay pal. Told me that my computer, bank account had been hacked. Insisted that he fix it for me over the phone. I finally hung up on him. He was very foreign and hard to understand. Took my computer to staples and they said I had no problems with my computer. Went to my bank and they saw nothing had been hacked. He said it was my carrier, which is Charter. When I called discover card they found nothing that was wrong. Just letting you know I do believe this no. to be bogus and saying they work for pay pal. He did not give a name.

  278. PayPal debit card is really hard to get. I want to be able to use the money people send me at restaurants and not just online transactions. The wait for asking for the card is like an hour or more when they tell you that it will about 5 mins. Is the card only for certain people or class of people. Why is it so hard? Maybe others have an easier time but as for now with my situation, I’ve called twice and no answer (I waited at least an hour the second time.

  279. Horrible service. PayPal used to be helpful with handling the money transactions, now it is withholding money and charges enormous transaction fees. I couldn’t send money to my family without any fees (within PayPal accounts!), and the customer service could not help me to resolve the matter.

    Use other services, but don’t trust PayPal your money.

  280. Paypal is a scam. Not only do they allow unauthorized debits on your account (resulting in a negative balance) but its the biggest pain to use as a seller on ebay. I usually only sell items when I really need the money. Once a customer pays through paypal, the funds are withheld from availability for up to 21 days due to “transaction integrity” which is total BS. They state your funds can be available earlier if you add tracking on the posted item. This is also false, as I always add tracking on my posted items and have never had my funds available before 21 days. Best advice for sellers: Get customers to pay on pickup.

  281. Hello
    Please be advise that PayPal does not provide any protection for sellers who sells the service; if you are selling service which is intangible you will easiliy lose your money as the buyers can open a chargeback with their card issuer and they will be refunded after a week and PayPal has no way of protecting you and it will charge you an extra 20$ for the fees beside the money you lost for giving the service!
    I strongly recommend people to not to open paypal account as a merchant or if they have to close it!

    1. I provide in-home repair services. Most customers want to pay with a credit/debit card. I take their card and process it through paypal. If the card belongs to a paypal account or the customer’s email address belongs to a paypal account then paypal declines the transaction with a message saying the customer should log in to complete the transaction. Alot of my customers do not use paypal on a regular basis so they don’t remember their passwords. The most recent example is that I diagnose and repair a customers appliance. I process their credit card through paypal as usual, thank the customer and leave. A few minutes later I receive an email saying that the transaction has been blocked. WTF paypal! The service is done! I was paid! I have a signed work order from the card holder!! Stop meddling in my business affairs! I have had too many problems using paypal. Who conducts business in this manner? I’m currently looking for a service to replace paypal. I will celebrate the day paypal goes out of business.


      Are you with PayPal? Learn how to resolve this complaint.

  282. Incredibly disappointed and appalled with Paypal’s systemic flaws, bureaucracy and hypocrisy. Paypal doesn’t let you change countries on your account, so when I moved abroad to the UK for two years I needed to open a second account. Now that I am back in Canada, I wished to transfer my money back to my Canadian account – good luck.

    First of all, Paypal limited my account for ‘unusual activity’ – apparently logging into my UK account from Canada was flagged as unusual activity. This alone took 30 minutes and three representatives to clear up. After that was sorted, when I went to transfer the money I was asked to verify my account first. To do this, the only method was to receive a text message, and the only phone number available was my UK cell number. As I am back in Canada, I no longer have access to that phone and the number no longer exists. This is where things went from frustrating to incomprehensible.

    After I was incorrectly transferred twice, I was told by a Paypal representative the best way to get my money was to ‘find someone I trust’ in the UK to transfer my money to, who could then proceed to send it to me. I was flabbergasted that a site that prides itself on security was recommending that the best way for me to send my money – to myself – was to find a third party in a foreign country to send it to and just cross my fingers, hoping they don’t decide to screw me over and keep the money for themselves.

    I asked the representative to override the verification – after all, they were speaking to me on the phone and I had already verified who I was. They said this was not possible, as there was no way to override the security checks. I asked to speak to a manager. After another five minutes on hold, I spoke to a manager who told me that there was likely nothing I could do for at least 24 hours, at which point there were a couple other options I could ‘try’, but she wasn’t sure if they would work. Really? You work for Paypal, have managed to obtain the position of manager, and you don’t know the system well enough to tell me what will and won’t work? She also couldn’t guarantee that logging back into my UK account from Canada wouldn’t flag the system and limit my account again.

    I don’t know how, or even if, I will be able to access my own funds – from an account that was only created because of the original Paypal flaw of not allowing someone to change countries on their account. People move, Paypal – you need to be more accommodating. Furthermore, every time I was transferred or put on hold, the next person I spoke to needed to re-verify all of my information, resulting in an incredibly tedious process of reading out my name, email, account information and security checks each time I spoke to someone new. The fact that two phone calls speaking to seven different representatives was unable to resolve a query so simple as transferring funds from one of my Paypal accounts to the other has left me frustrated and cost me the better part of my morning.

    I have never written a negative online review before, but the service I received this morning incensed me into doing so, so others can think twice before trusting their funds with this bloated and unreliable system. I will be closing my account immediately after this is resolved, and recommend others either try using a competitor or rely on an old-fashioned money order instead. Goodbye, Paypal – you have failed me for the last time.

  283. Sir,

    I hereby want to inform paypal that after providing all the necessary documents and even the buyer confirming by sending email to paypal that we have already delivered the products to the agent company, paypal review department is coming up with unnecessary excuses.

    I have already taken these laptops stock on credit from our supplier and they are now harassing me daily for the payments.

    I have waited for long trying to provide all the necessary information asked by paypal.

    Paypal asked me to get a confirmation email from the buyer which he has already sent to paypal at [email protected]

    Now the review department says that they will close my account and hold the payment for 180 days. This is going to cause huge depression to me as my supplier will not wait until then.

    THIS IS GOING TO MAKE ME TAKE A DRASTIC STEP WITH MY LIFE AS THE BUYER AGENT SAYS THAT THE BUYER CANNOT MAKE A WIRE TRANSFER DUE TO SOME RULES OF THE COUNTY.

    BEFORE I DO THAT WILL DEFINITELY EXPOSE PAYPAL IN INDIA AND TO THE WORLD

  284. Paypal and Ebay are connected. I was told they are two separate entity. This is not true. I sent a package to a buyer, when he received the package he called Ebay and said that he wants his money back because he has not received the package. So Ebay went into my Paypal account and removed the money. Now I do not have my Item and I do not have any money for it. I sucks when ebay helps a thief and my money is not safe in Paypal.

    1. They have been sister companies for years. It was recently announced that Ebay is splitting off from PayPal. USA Today reported that he split as the result of PayPal’s declining reputation.

    2. Oh BTW, keep in mind that PayPal is not a bank. Therefore, they do not have to follow FDIC guidelines. They can do what ever they want withing the law of any business. And, yes, they will hold and delay transferring your money, as one of the many games they do play, and there isn’t much you can do about it. The problem is, a majority of customers, and potential customers, do not understand they are not a bank. Read the fine print….it basically says they can do what ever they want within the laws, as I said earlier, but, they do stretch that as well!

      What has to happen is, people have to post this information clearly throughout the internet communities. Once PayPal feels the pressure, or hopefully the financial loss, maybe they will be forced into offering a “more” legit” banking type business. Or, better yet, go out of business!

  285. I have a PayPal MasterCard with a $5,000.00 limit.

    Two weeks ago, I made a $1,000.00 payment. (check) PayPal put a hold on the check for three weeks.

    Two days ago, I made a 1,000.00 payment (cash, using funds in my PayPal account) PayPal put a HOLD on my account.

    Never again. I am done with PayPal. DONE! Shameful and disgusting practices. I just read that the Better Business has had almost 6000 complaints. (not surprised.)

    Shameful, truly shameful way to run a business.

    1. I JUST had this start with me. I decided to pay off all of my credit cards by way of a personal loan. The only one that I had an issue with is PayPal. They said that the payment was too large and now I have to PROVE to them that the money cleared my bank. A week ago.

      Because they won’t even acknowledge my payments my available credit has gone DOWN. There’s ‘nothing that they can do’. How is that even possible?

  286. As of today I am closing Pay Pal. I have NOTHING but problems, agravations. They supposedly credit your account for the full payment and then you receive a bill the following month showing late charges and whatever other charges they want to tack on to your account. I AM SHUTTING IT DOWN. I HATE THEM. Seemingly good customer service then you get erronious bills with yet again late charges and more fees. CRAP! DO NOT USE PAY PAL! I WILL NOT USE THEM EVER AGAIN !!!!! NOT WORTH THE IRRITATION!

  287. I have held a PayPal account for several years. I use it for purchases and sales of miscellaneous items on Ebay and for other payments from time to time.

    Recently I attempted to register online for a conference using a credit card. Because the conference organizer is using PayPal for processing, and my credit card was somehow linked to PayPal, PayPal insists that I complete the transaction through my PayPal account.

    In essence, they have hijacked my credit card and dictated that I MUST use it through PayPal if they have any involvement in the transaction. That should be MY choice. What a scam!

  288. I would not recommend PayPal to a friend because, as a seller, there are policies and rules that are put in place that does not protect me.

    Recently, I shipped an item to the address that was supplied to me and added a tracking number to confirm this process. My purchaser did not give an updated address, so the package was not successfully delivered. Paypal then penalized me and deducted the amount of the purchase from my account, threatened to take me to collections, and did nothing to remedy the situation. I was treated like a criminal and asked to prove everything, which I did, and then I was told that there was nothing that could be done.

    At this point, you are a biased monopoly connected with Ebay, so your faithful customers with a good track record are left helpless. To date, I am out $275 and the part that I shipped with documentation to the customer. You own the market and we are your pawns. Thanks for taking care of your loyal customers. Paypal, you suck!

  289. Don’t trust Paypal with large sums of money. They have strict risk management policies that allow them to freeze accounts and block withdrawals at any time. They can simply declare your transaction risky and limit your account. They have many other triggers that allow them to freeze accounts. They wait until you accumulate large funds then freeze the account and demand more ID. They can close your account “at any time, for any reason” according to the user agreement. They can freeze your account if you receive near $800 according to “counter-terrorism and anti-money laundering” laws in my country. If you don’t have a Paypal account but use the Paypal credit card gateway, they block credit cards and put limits on how many transactions you can make while pushing you to sign up for a paypal account. They freeze paypal accounts of ebay sellers causing buyers to leave negative feedbacks. Paypal enforce 180 money back on transactions. Paypal take 3 to 5 days to withdraw funds. Paypal treat you as guilty until proven innocent. Paypal makes it too easy for buyers to open disputes for a refund, abusing the system and scam. Having said that, if you only deal in cheap low value items you might not have any problems. Otherwise AVOID PAYPAL.

  290. was robbed of $500 back in 97/98 when paypal bought out and merged with x.com, have been fighting for 16 years now to get funds back and am always met with resistance. paypal says i started my pp account in 06 ( whicih is incorrect i started an x.com account in 97 and when the merger happened my x.com login worked as paypal login. then ebay claims i didnt start an account till 07 ( again incorrect as i was selling items on ebay in 97/98 and i have a witness to back that up). every time paypal puts up payments to refund people they have ripped off it is only for the paypal credit and bill me later people leaving the rest of us bent over, and to be honest anyone that was smart would NEVER sign up for paypal credit or bill me later in the first place. so let me just say paypal is the WORSTE and should change their names to payTHIEF because that is exactly what they are thieves. do yourselves a favor if oyu havent signed up for “paypal” DON’T, you will be better off using credit card for you online purchases and if you do sign up for paythief just put in the amount you need for your purchase and NOTHING else, leaving money sitting in paypal is an accident waiting to happen becuase if you dont watch it daily or are gone for a few months you will come back to find your account with a zero balance ( or like in my case account changed to another online pay company AND a zero balance.

  291. Frozen account after minor problem with a buyer – I gave a refund even through they bidded on a well described and photographed item, but they were not happy so I gave a 50% refund (£60) and this started a paypal limitation. The amount of information I now have to give in order to get it unfrozen and access to the £315 in my account is vastly disproportionate to the initial complaint – which was resolved. Also it’s been linked to an unrelated account?? Why? Just another reason for them to keep my money. While this goes on I cannot use ebay to earn a living so they are actually losing many transactions worth of fees.

  292. I would not use paypal, they will lock and take your money at the drop of a dime. Hold it for 6 months and tell you that you cant do anything about it. Even if you can verify that payments are 100% legally sent they will still hold your money. I asked if I could have the people who sent me the money verify the payment and they said no theres nothing you can do. Your money is held for 6 months. This was supposed to be the easy way for family and friends to send money, especially for someone who doesn’t have a bank account. please do not trust them with your money.

  293. PayPal has hands down the worst customer service system I have had to deal with. Expect to set aside 30 minutes of your time and prepare for a frustrating mood change.

  294. Called in to get simple support for setting up Digital Download Goods. Got a sales guy who didnt want to offer any suggestions or solutions. offered only one word responses, and dead silence. Did not want to transfer me to someone one else, did not seem to care at all that I was having problems. The ONE time I need technical support they didnt even care or want to help. So fed up with Paypal. Hope Google kicks their butts.

  295. Paypal has got to be the worst company on Earth. They are like the mafia. They force you to use their business at high interest on ebay. It is a total racket. Their website is terrible. They take your money as fast as lightning but take their sweet time crediting payments you make. My bank shows my payment to paypal has cleared. Two, three, four, five days later, paypal is sitting on my money before deducting the amount from my bill. They are cashing in on their high interest rate and creating the possibility of $35 late fees. Their website makes it very frustrating to track your payments and see them. I can take it any longer. Even if it means no more purchases or sales on ebay. I will never do business with or through Paypal again. They are anti-American by putting restrictions on purchases of firearms and firearm related equipment. I will do business elsewhere. In short, Paypal sucks…it sucks very badly.

  296. I have had nothing but problems with Paypal. Monies not accounted for and terrible, rude customer service

  297. so why am i paying 4% fees on transactions in paypal in my business account ??? all your material here suggests nothing close to this rate. It is outrageous.

  298. I haven’t been able to use my Paypal account in 2 years because someone hacked and used my Paypal account. I had to pay what the hacker took off with my own money every paycheck. NOW, my account is limited until I here from them by Friday. I’m upset because I’ve been going with out a few important things (Dr. check ups, car fixes, etc.) for these last few years. It has been awful. The worst and most awful feeling in the world is that I possibly can’t open my Etsy shop and may have to close my Red Bubble shop.

  299. Paypal has AWFUL customer service. I placed a transfer, through paypal, FROM MY bank TO paypal. Within 2 hours of the submission, went online to cancel but was unable to do so. Called paypal and was connected to one of the stupidest reps on the planet. Told him I needed to cancel the transaction and was informed that he couldn’t do it because the cancel button was no longer visible on his screen. What??? So for a 3-5 day transaction, within a 2 hr timespan, the submission cannot be cancelled? Ridiculous. Can I cancel the account? No, because there’s a pending transaction. Right but it’s pending TO ME!! After I was finally able to be transferred to a supervisor (after asking at least 3 times because he kept saying that no one above him could help me), that person explained that the transaction cannot be cancelled because it was more that 5-10 minutes after the submission. Really? Where’s the shovel because that reeks. Needless to say, I should have read reviews prior to signing on to it and I will inform everyone to NEVER use this service. Use AMEX prepaid instead.

  300. We switched to PayPal Pro after using Heartland. Much lower rates for us that were clear-cut and easy to understand. We’re using mainly Virtual Terminal for our phone orders, with a few online orders through their payment gateway, and are very happy with our current rates and set-up. Merchant support has been good, and we haven’t experienced many problems.

    There is however one drawback that we experienced today with receiving credit card payments through our website. I’m not sure what it’s like with other companies as this is the first time we’ve encountered this situation. We received an order that came with an invalid shipping address, different than the billing address. When we called the one number provided for both billing and shipping, it went straight to voicemail. No response through email. The IP address was from a different state than the billing and shipping addresses. So naturally, we suspected credit card fraud.

    We called Visa, and they told us that the best thing to do is to call the card issuer and have them contact their customer to verify the purchase. But since we didn’t have the credit card number as it was an online order through PayPal, Visa couldn’t help us. We had to call PayPal so that they could give us the card issuer since all the information went through them.

    We ended up calling PayPal 3 times and talking to 3 different departments, including Merchant Services and Disputes & Claims. They told us that they did not have the credit card number on file, and therefore could not give us the card issuer. They said they could do nothing about this issue.

    However, if the card was stolen, we got no protection from PayPal since this kind of online transaction was not protected. It would be our fault as the seller for accepting this stolen credit card, even though we tried to verify the validity of the card. The chargeback fee would be $20 from paypal if the card turned out to be stolen. Therefore, our best option was to refund the order (I believe seller still pays the small $0.30 transaction fee, and either the seller or buyer pays an additional fee reversal fee, in our case about $6).

    We still don’t know if the card was stolen or not. If it was, we had no way of notifying the card issuer or the cardholder that there was a suspicious charge. PayPal said it couldn’t do anything more than we could.

    It just seems like we should allow merchants to quickly verify an online purchase if they’re suspicious, and to easily report any fraud to save everyone involved any wasted time and/or money if the fraud continues after the current purchase. The earlier it’s reported, the better, right? Maybe the industry standards need to change. But I wasn’t very satisfied as a PayPal customer today.

  301. PAYPAL is simply a Gorilla that can afford to bully its customers.

    HERE is why we left:

    Paypal does not want you using your credit card. Rather they’d prefer you use your paypal credit. This is why they have not developed a default payment option. If you notice, your payment always defaults to paypal credit. Numerous complaints have been filed about why paypal refuses to allow people to have a default payment method that YOU, the user can chose. It is afterall your money right? Paypal always wants you to pay with paypal money so it saves them on fees. Every time we purchase something, we have to move the funds out of our paypal account to our bank in order to pay the full amount with our credit card. This is several clicks done numerous times a day, it adds up. If we do a $4000 purchase and our CC gives us 3% back, thats $120 gone in rebates. We have made the error when very busy of forgetting that we always have to transfer the money out before we make a purchase because paypal ALWAYS makes the PP money default. We made the error 2 times and the 3rd we said SCREW PAYPAL.
    We have over 32 domains and only one we still use paypal with. Paypal do what they can to screw you and not allowing you to choose a default payment that stays default is one perfect example.

  302. Sounds like this report was made by one of PayPal customer service team, I had used many different payment gateway and PayPal is the worst.

    PayPal took money out of my bank account even after I had done paid their fees.

  303. I have been a PayPal customer for many many years. I was very surprised to see that someone was able to steal my account information and use in store purchasing to buy $480 worth of stuff. Here I am over a month later and I still don’t have my money back. PayPal says they guarantee a refund and I even got an email from them saying it would happen in 5 days. Well it’s been 30 and I have been patiently waiting for my money. Called them today and they forgot to do “an important step”. Does that instill confidence in someone who has all my financial information? Too bad they’re a monopoly.

  304. People, if you need your money, stop using paypal, we live in a time where there are hundreds and thousands of other GOOD companies on web that do the same thing as paypal, but are doing their work a lot better and faster, and you can trust them more nowadays than paypal. I got a stupid copy-paste email form them saying they are sorry and they are starting to close my account… with absolutely no reasons, I’m a normal person and have done nothing wrong to them or somebody else.. I don’t use ebay I just received some money from some friends of mine… and here you go, I have my money blocked at paypal for HALF A YEAR (180 days), they don’t reply to emails, calling them make no sense as nobody will help you etc etc…. People, STOP using papal!!!!!! Stay AWAY from paypal if you want your money to be safe!!!

    1. Name these good alternatives to PayPal, please. I cound’t find any. So-called alternatives have sign-up requirements similar to mechant account, are merchant accounts, or have a lot of negative comments below reviews.
      I would like to leave PayPal, but there is nowhere to go on similar terms (easy to get and use account, service that works without glitches).

  305. Pay pal is terrible!!!!!!! They do nothing to help the seller. They blocked my account forever for no reason they said my account was linked to another account that was blocked I don’t even know what they are talking about. They blocked my friends account because he left bad feedback for them and now blocked mine because they say we linked some how this is the most rediculous thing I have ever heard. I had 100 percent feed back and 2 stars with my eBay account and done a lot of business with them. When I called customer support to find out what was going on the lady was very rude with me and said I am high risk like WTF was did I even do wrong they never could give me a reason just blocked me. If I was a seller I would stay away from paypal they have no security for u

  306. biggest thieves I have ever dealt with.I will contact bbb/attorney general and do my best to keep anyone from using the pay pal site.I tried to activate a new card and put money on the card and they immediately took the money and blocked my account! DO NOT USE PAY PAL IF YOU WANT ANY OF YOUR MONEY!

  307. Paypal allows dishonest eBay memebers to scam you out of your goods with hold on payments. There is NO process for sellers to file a dispute about dishonest eBay members. Paypal allows them to tie up your money for 30 days and, you are left without YOUR merchandise or payment! Paypal is a very risky payment method. BEWARE and know the pitfalls before using paypal as a payment service!
    LESSON LEARNED (the hard way)

    1. I have done a little research and found out that several of the reviews were written by PayPal!!! WoW. What a surprise.. Due to their non-responsive and no recourse rules!!!. I am still locked out of using their system. They will not release cards attached to my business no will they allow any transactions. I am forced to tell my bank that the cards were stolen, guess who by. :* Since E-Bay purchased PayPal and refuses to utilize any other form of payments, I no longer sell on E-Bay. Was a top seller for years. Now I utilize a “Real” Card Processing company at a much lower rate. No more transaction fee. no Monthly Fee. Just a percentage. I only have to put up with the 2 day delay, but I get my funds with no extra “B.S” All sales go directly to my bank and I no longer have that Merchant Fee. Lets say the folks that I now utilize are larger than the PayPal want to be. They are used around the world, with many of their software products: QB. Turbo Tax, even a full line store program that does everything for you. Bar codes, inventory control, Tax input. A real 1099 and much more.

  308. I was just informed that Pay Pal is holding 25% of a customer visa payment we just received today because we had to key it in and it was more than $2500. I accept that we must pay the 3.5% fee instead of the 2.7% fee normally charged. But they said they are holding my $880 for 30 days! The CSR was snippy and condescending in her attitude. She was lovin the power trip. Time for a new method.

    1. Sad to see others with this problem. They locked my business account because they felt that the transactions were in their view “Fraudulent”. After explaining the transactions to them, they still held to their ideas and so I could not longer us the account. They will allow people to pay me, BUT I can’t take the funds out. Nor will they close the account. I have notified my bank. They said it is the business of PayPal and there is nothing I can do.
      They even locked my C/C used to make purchases. The only action I can take against them is to report my card stolen and provide the bank with the info that “PayPal” stole them!!! Sad to see that E-bay will only do transactions with their PayPal company. I have lost $1000’s of dollars in potential sales on E-bay as well as my website

  309. I have used paypal for many years and thought that they would be perfect to use for my business.
    How I was wrong….
    The do everything possible to get your business and process your transactions but yet when something goes wrong they dont care.

  310. I just started using paypal as part of my business. BIG MISTAKE! I have no other financing institution that has so any limits on amounts and timing of transactions. Why does it take a week to get access to my own money. Also, why, after confirming all information, do I have a limit on how much money I can move from paypal to bank? I cannot operate a business when my money is limbo for 5 days at a time. I need the funds much faster.

  311. I have been using my online PayPal account since 1997 and have seldom had a problem and none of the issues have been significant. I now need to be able to process credit cards on the fly. I was going to install the PayPal Here app on my phone. Has anyone read the Permissions you must allow to use the app? Access to your: Contacts, Call Logs, Bluetooth, Camera, Allow app to directly call phone numbers, Sensitive Log Data and Running Applications. Wow!!! I looked at other processors such as Square and their app does not require access to these items. I emailed PayPal and asked why they need to access these personal items. The response they sent me the link to the page showing all the things it needs to access. Very helpful! Here is the link – https://play.google.com/store/apps/details?id=com.paypal.here

  312. Don’t ever use paypal! I canceled my paypal account after receiving a bike that was not as described. I tried working it out with seller. After seller mentioning he bought insurance for the bike, I contacted ups to have bike pickup to be reviewed for insurance claim. I don’t know what their outcome was but bike was sent back to the seller without my knowledge. I tried contacting seller about it but he has stopped all contact. I tried talking to paypal about how the seller has my money and the bike in his possession now and to see if they can refund me my money since seller has stopped all communications. Paypal’s reply was, that I sent it back out of my own will. I explained the whole situation about how bike was picked up by UPS for insurance claim and they sent it back to the seller. I even showed them tracking number which showed it was received back by the seller. Paypal still refuses to refund me my money so I just took it as a lost and canceled my account. This has been the most frustrating transaction ever, I will never ever use paypal ever again.

  313. I wanted to set up a pay section on my website, and so I called Paypal, because I couldn’t uncover info I needed from their website…As I am writing this, I have been on hold for over two hours and still counting.

    What frustrating and horrible customer service!! Ironically, as I am waiting, I get to listen to some recording, cycling over and over, extolling Paypal customer service, how important my call is to them, and assuring me that they will “be right back” with me.

    I guess I should find humor in the irony.

  314. First of all, as far as donations to charities, Paypal sets capricious and arbitrary limits per credit card that have nothing to do with your credit limit, credit rating or anything else. Once this limit is reached, which has been anywhere from $1500-$4000 per card, they tell you you have to join Paypal in order to donate any more money. My understanding is that there is also a $10000 limit for buyers of merchandise. Paypal does this as an attempt to gain a monopoly in the online purchasing business, since they collect about 2% of each transaction. Their security is crap and they and Ebay don’t respond to consumer complaints. As far as a BBB rating, the Better Business Bureau is a joke, just like Angie’s List. You pay either one a fee and you will get a good rating.

  315. After my PayPal account was hacked I removed the connection to my bank account but kept the link to my credit card. No sense in being ruined financially because of their poor security but I understand they need some line of credit. In return, they froze my account from sending ANY money. Did I have deposited funds to cover the payment? Doesn’t matter. There are two options: 1) reopen my bank account to their poor security or 2) apply for their branded credit card to back up the account. My Visa or MasterCard isn’t sufficient, it has to be one of theirs. To use their service I have to risk my finances or risk my credit rating so they can issue me a credit card I don’t want. No thanks PayPal.

  316. We have had lots of problems with Paypal. Paypal, without notice perform network tracking & permanently disable processing credit cards ONCE Tor, or a similar proxy routers are used. Paypal also refuse processing payments when new/replacement cards are used – clashes with old/expired card data. To remedy it they want more personal information than a passport! They have no right to demand, or retain such information, but do, & refuse to delete it!
    So, even for a minor purchase they extort information, and also determine (as with Visa) if they will process the transaction at their whim, as they did with Wikileaks..
    You may lose business if imposing Paypal’s non-service upon customers..

    1. I think this must be what has been happening to me. I had problems with my PayPal account (in fact I seemed to have more than one account) — they wanted me to validate my account and the only option they offered was an automated phone call, which didn’t work for me (I have a rotary phone). I think this originated in a card replacement and change of expiry date. I thought maybe it would be possible to validate my account by phone, but in the course of two long calls to customer service, I decided to close anything I had resembling a PayPal account! and I believe I succeeded (never been entirely sure, because as soon as you close an account you get a Welcome to PayPal message thanking you for opening an account!). But in this long and confusing process, I must’ve failed to validate once too often — to make a long story short, PayPal declared that my credit card could no longer be linked to a PayPal account unless I sent a scan of my ID to them, which I refused to do for security reasons and generally not seeing why they needed that. Anyway, I figured I’d just operate without a PayPal account.
      Wrong. Since then, I have been unable to pay on sites that use PayPal to process their credit card payments. They may claim you don’t need a PayPal account, but when I tell them I don’t want to open one and press Continue, NOTHING happens. No error message, nothing. I think PayPal has blacklisted my credit card. Of course, the sites where this has happened to me have simply had to do without my business.


      Are you with PayPal? Learn how to resolve this complaint.

  317. I am going to buck the trend here but my company has been using Paypal pro payments or whatever it is called for about 4 years. We pay $30/month for use of the service on our ecommerce site. For reference we do approx $1M in sales a year. Every so often something may happen not to our liking (like once a year mess up some payment or randomly decide not to accept a standing customers Amex card) overall we have been very happy. People talking about holds are probably small time vendors(no offense, everyone needs to start at some place) and those are the sellers that scare PayPal. Yes, 95% of the time the buyer is right, but that is how business should be “customer is always right.” And to top it off their merchant rates(which you can negotiate as you grow) are pretty low compared to industry standards. Our biggest complaint is they only allow a 60 day window for refunds.

  318. Please be very careful when using paypal services. Prefererably use other credit cards. I recently had one of my worst experience with Paypal. I ordered for 6 used laptops through a company out of OHIO call Laptop advantage (steer clear of these folks). The computers arrived terribly malfunctional/nonfunctional/damaged and not as described. I immediately call the company to return the items. The first guy i spoke with said I should call back in 30 minutes since the manager in charge went to lunch. I called back in half an hour no one would pick the phone. Itried several times aND THE STORY REMAINS SAME. The next day they left a message to call me on another line. I started calling the line and the memory was full. I packaged the defective computers and sent them back through UPS.
    I put in dispute through the PAYPAL dispute center. It took them forever for the review. 2 weeks later the items were shipped back to me stating that “the receiver refused. So I called paypal. That was when they told me to get a computer expert to verify that the computers are bad before I can send them back. I was libvid and called again to talk to the supervisor who uttered the same nonsense. So I called the PAYPAL extra mastercard and they recredited my account. PLEASE DO NOT USE PAYPAL..Perhaps for transactions less than $30. The dispute department is a HUGE JOKE.

  319. I am not happy with the security it offers to its clients and i will not use paypal in future. someone send me an invoice and click pay for it as my intentions were to pay for it. Paypal did not gave me an option to choose the payment method or confirm anything with me and use my checking account. i realized their mistake and call them within few second to chage this payment method to credit card. Paypal representative said it is too late they cannot do anything about it. i should call the receiver and ask him to cancel my payment. WOW i am shocked they made a mistake nad it is my problem……

  320. I used paypal to pay for a class earlier this year. Unfortunately the first time I tried to pay, for some reason the payment didn’t go thru. I am not sure whose fault that was. However, time was running out to attend this class. So I called the school myself and paid over the phone. A few weeks later I get a call and several emails from paypal saying that I owe them the exact amount I paid for the class. I explained to the customer service rep that I had already paid for the class directly and that I didn’t need to pay for something that I already paid for. The customer service rep became rude and said that when I tried to make the first payment I entered an agreement which meant that I MUST pay with Paypal. I was told that I needed to pay paypal, then wait for them to reimburse me the same money that I was about to pay. huh? That didn’t make any sense, but that is what I was told. Also, if I didn’t pay them they would report me to a collection agency. I am definitely cancelling my paypal acct. I don’t need to be harassed into paying a “middle man” for a service that I already paid.

  321. I have been in busines over 22 years and when my 2 year old verifone processing machine died I learned that it was out of warranty through my Bank of America processing company. Rather than invest in another machine to the tune of $300.00+
    I explored other options. Since I now do business exclusively on-line after closing my physical store (after 9 years), I decided on the Paypal Pro Virtual terminal that does not require any equipment. We already had a regular Paypal account as a choice for customers…and never had any problems…so this seemed like a good fit especially since I thought I would cancel my landline that I used for my other processor. Boy! Was I wrong. While the transaction process for each customer is fairly easy, getting my money for those transactions borders on USURY! The difference is that instead of them loaning ME money, they are simply TAKING mine, and NOT paying me any interest for 90 DAYS! PLUS they are charging me fees on top of that. Their customer service person was not at all helpful and said that she could not change anything OR even talk to someone higher up. I am curious if VISA & MC & AMEX approve this practice. Unless you are a business owner with VERY deep pockets and can afford to have Paypal lock up your $$ for 90 days, STAY AWAY from their virtual terminal.
    I already ordered a new processing terminal and will be happy to continue processing with Bank of America.

  322. We signed up to take paypal for our business and it took over 40 minutes to contact them by phone and we finally hung up and cancelled our pay pal account. No business person should have to wait for help that long and lose business in the process. I contacted them by email and they never responded.

  323. My comment is actually a carbon copy of Alen’s comment: I wish I did not invest “many thousands $$ on developing a system to accept payments via PayPal.” The system is slow beyond description and is full of bugs; you can send information about those bugs to PayPal’s IT department, but they don’t pay attention to it anyway. Could somebody recommend a system to replace PayPal?

  324. I run a business and invested many thousands $$ on developing a system to accept payments via PayPal. I am sure sorry I am caught in that trap, As a business owner you need to be able to have access to every and each transaction made by your customers. Meanwhile, it may take more than 30 min to have a transaction view on PayPal system; one cannot even imagine that a system can be that slow nowadays. So if you need to take a look at more than one transaction a day, your business day is basically stalled by PayPal. In addition, PayPal system has bugs which they never fix. If you are considering PayPal for your business you would reccoment to stay awy from it.

  325. I used pay pal for the 1st time, when I bought an item on ebay (also the 1st use). When the item arrived, & was defective, I could not return it to vendor as there was no packing slip. I then attempted to call pay pay & found out how difficult it was to reach this co. After finally getting to a human, who was condescending & annoyed, I was told it would be investigated. One wk. later got email saying vendor denyed my complaints & it would take until July 27 to resolve (that was another 3 wks. later. Finally, July 25 got email saying I would get full refund on my PayPal account. Since I never intended to use Paypal again, this was unsatisfactory . Again attempted to reach a human by phone & told her I wanted credit to my credit card because i was cancelling PayPal. She put me on hold for 25 minutes, but I got good news when she finally got back to me — credit was going to Visa acct. I then asked for a confirmation, but she could not send me one so now I have to wait til end of Aug., for my next Visa bill, to see if they really did credit it there. If not, I have no proof.

    I would tell everyone I know not to use paypal. Also, EBay & Bill me Later are also owned by this co. , so beware of them too.

  326. I successfully opened a paypal acct. And made 2 successful transactions. Then my acct was put in an account limitation status. I was told to fax my i.d. Which i did, AND confirm my c/c. I kept getting error msg when following prompts. Called a person,.,was told to do what i had done, and told that should not be happening. DUH! I give up and wish my info was never put out there. Being told only a computer can resolve this is asinine! Bye pay pal.,.no pal of mine!

    1. You may want to consider contacting your cc company and put a security check on future charges. Alsp, check you credit report. I am concerned that PayPal would actually ask you to fax that info. That could have gone anywhere!

      And if it did actually go to them, why would they want a hard copy of that? What are they going to do with it now that they have it? I have been with paypal for 5 years (and still hate them, finally switching to google checkout) and have never been asked for that!

      Just my opinion but I would never have faxed copies of that information!

      1. They DO ask for that. I was asked by a PayPal customer service representative over the phone — it was the only way I could rehabilitate my credit card, which I had been told would no longer be linkable to a PayPal account. I refused to send the information and figured I would just do without a PayPal account. Since then, I have been unable to pay by credit card on sites that process cards via PayPal — even though they claim you don’t need to open an account. I don’t get an error message or anything, but when I press Continue or whatever, NOTHING happens. The process simply goes nowhere. Byron, I’d be interested to know whether you have had problems of this kind with the credit card that was linked to your PayPal account, since closing the account.


        Are you with PayPal? Learn how to resolve this complaint.

  327. my name is julie shopen
    paypal charge my credit card by unknown persone who use my credit -card

    Someone has hacked my password and use my code
    How did that happen?
    I turned to the company and they do not reply at all

  328. they never award a seller when a buyer disputes no matter what your proof is. my buyer said he did not receive his product so i uploaded a file from USPS to proof that he did, guess what nothing happened the buyer was awarded the payment, somehow because the case turned from him not receiving to he is returning the product and i have no reason given to me why the seller is doing that, seller has NO POWER when a buyer disputes and i email them i get a auto reply telling me to go into the most asked questions i really hate this guys i just hope i can find someone better than Paypal anyone has any idea please let me know my sales are doing good and i dont want these guys to make money off me anymore if they have no respect for me

  329. I’m a small business owner and I used to use Website Payments Standard on my site but then PayPal decided to hold all incoming funds for 21 days because my monthly sales were 5%-10% higher than my previous months’. Since then I’ve switched to Flagship Merchant Services and so far so good. They have monthly fees and such but their transaction fees aren’t nearly as high as PayPal’s were so it more than makes up for it. Here’s a copy of my last email to PayPal:

    Hi, I’m emailing PayPal in regards to the recent Payment Holds status that your “system” has put onto my account. Apparently this hold was placed on me because my most recent month’s sales was 5%-10% more than the trend of my previous months’. I run a small business that has only recently began selling products and I need access to every dollar that my business makes but I can’t now. Because we just introduced a new product and received a spike in sales, your wonderful “system” has put a red flag on us and locked us out of them. I understand that this is there primarily to guard against eBay fraud but this PayPal account is a BUSINESS ACCOUNT, not a personal one. Your “system” should be amended to reflect this. It should also be amended so that your own sales representatives have the power take the hold off the account–I called them to ask all this and they told me they had no control over this. All of this coupled with your company’s notorious tendency to favor buyers over sellers even when all evidence suggests that the situation is BUYER fraud, not seller fraud, and your ridiculously high transaction fees have led me to seek an alternative payment gateway solution. I chose PayPal because I thought it was the most headache-free solution for me. Man, was I ever wrong.

  330. I based a purchase I made from a Chinese vendor on the fact that I could, and did, use PayPal to pay for the transaction. Bad mistake. The item was not shipped for 12 days after the order. I did cancel the order but the vendor did not honor the cancelation. The item shipped was not the item I had ordered. I contacted the vendor and received a return merchandise authorization. According to their return policy, they were suppose to pay for the return shipping. After many emails back and forth, I applied for my money back from PayPal. PayPal initiated a request to the vendor in order for me to get my money back. Bottom line, PayPal was not able to get me my money back. I would warn everyone using PayPal to be very careful.

  331. I used them for a while. Not long after I started with them, they put a hold on my account for some reason or another. I never heard why. At the time there was no phone support. They requested shipping information with tracking numbers… not a problem. But then they asked for something called “proof of inventory levels” or something like that. I had no idea what they wanted and there was NO further information to be gathered from their FAQ or documents section. Once the funds were released (two weeks?), I transfered the funds out and closed my account. NEVER AGAIN!

  332. PayPal, Inc. has the worst customer service I have ever encountered. The have been holding over $500 of my money for goods sold on ebay for no good reason. this should be illegal and must be stopped. They need to follow all regulations that any other bank would follow.
    I think they are also violating Anti-trust by forcing PayPal as the primary source to Pay and get paid. then they do not pay the seller.
    Something must be done.

  333. Think their cheap rates sound good now? Wait until they decide to shut down your account after being with them for 8 YEARS and they freeze your money for 180 days…..THAT’S 6 FRACKIN MONTHS!!!! And if that isn’t enough, they don’t even have the courtesy to give you a REASON !!!!!!!!!!!!!!

    They are a scam company and the government needs to step in and start regulating them. They take our money like banks and play with the interest like banks but they have NONE of the regulations that banks have. Regulations that are meant to protect us as consumers. The whole thing is a bad joke. ON US!

    If you’re a seller or business owner, stay the hell away. Use a REAL merchant and save yourself the despair and trouble.

  334. Ebay and Paypal are a scam. They hold on to your money for 21 days if you have had any complaints about shipping even though the customer received the merchandise and gave you a positive feedback. Im a verified seller with 100% postive feedback with over 2,200 transactions. I wish I could get away with holding peoples money for 21 days just the interest earned on that would make me millions. This should be looked into by the better business bureau. Thank God Whitman didn’t make Govenor of California.

  335. On January 18, 2012, a customer registered for an event on our website and paid through PayPal. We confirmed her registration via email. The event is to be held this weekend, Feb. 3-5, 2012.

    On Sunday Jan. 29, 2012, we recieved a notice from PayPal telling us the customer did not know who charged her card and that PayPal was opening an investigation.

    I immediately responded to PayPal that I had no idea about this and that I would contact the customer right away. As I was typing the email to the customer, within 4 minutes of the PayPal email, I received a email from PayPal saying the investigation was complete and the charges were reversed back to the customer. I completed the email to the customer as well as made 5 attampts to contact her by phone. No answers from either.

    Later that day I researched PayPal’s site to see if I can respond to this and to submit the proof of registration and a copy of the registration stating a cancellation fee of $35 would apply if cancelled prior to 30 of the event. I found that once the case is closed, there is no means for the merchant to appeal. I then wrote a email to their cistomer service with the information hoping they would direct me as to how I can appeal. No reply what-so-ever.

    Last night, Jan 31, the customer’s husband called via phone. He told us he had received the emails and that his wife was out of town but was returning for the weekend event. He said that there must be a problem on PayPal’s part and that he would take care of it. One hour later, he called again saying that his wife was out of town on family business ans that she will not make it to the event and that she woud hopefully make an event at another time. He did not want to discuss a cancellation charge.

    It is now clear that she (the customer) found that if she used PayPal to reverse the charges, she would not have to pay the cancellation fee with us.

    Today, Feb 1, I called and talk with a PayPal representative. She explained that the reversal was correct and when asked about our cancellation fee, she said they do not get involved wit that! She said that any time a customer did not know who cahrged their card, they take that very serious and normally reverse the charges. I asked why i did not get the chance to submit any proof that she registered for this event, and proof that she was coming with a friend with her name clearly on the email to us. Te rep told me that they have closed the case and there was nothing more she could do about it.

    The one interesting comment the representative said was, “If the merchant is selling a service, the seller does not have the same guarantee or protection as if they were selling merchandise” I find that vey interesting!! I understand that selling merchandise normally includes shipping and proof of shipping is a factor of proof for the merchant however, This goes far beyond that.

    Wheather it be proof of shipping or proof of registration including the customer’s email, what is the difference? Why was I not allowed to submit the proof?

    All I was requesting was the $35 cancellation fee. Now I am out the entire amount. I believe PayPal is wrong on their handling of this transaction and I have completely lost trust in PayPal.

  336. i called PayPal at least five times to get information on how to link my credit card to my account. i was told PayPal would charge my credit card $1.95, which would be reimbursed once my card was authorized. I attempted to pay for an item using my credit card once the card was authorized, but was unable to do. I called PayPal and was told I was unable to use my credit card because I had cash sitting in my PayPal account and could not use my credit card until I either withdrew the cash or used it to pay for the item. I was also told the $1.95 PayPal charged me would not be reimbursed until I made a payment using my PayPal account. I have been waiting two weeks to purchase this item, because I wanted to use my credit card. I was never told I had either eliminate the cash in my PayPal account or use it before being allowed to use my credit card or that I would not be reimbursed the $1.95 charge until I made a purchase.

  337. Copy of my last letter to PayPal regarding approval for a Debit card.

    PayPal,

    In your last letter you mention that this process may be frustrating. Yes it is. I have faxed information to PayPal twice. Twice when I called PayPal to confirm PayPal says they have not received the faxes. They have, but somewhere in PayPal someone has not posted them on my account or there is some other reason.

    PayPal requests information from my bank displaying my address. I have faxed that information. PayPal says they have not received it. I am now waiting to get my next bank statement . When this arrives I will scan it and email it to you. PayPal says this is the best way to transmit my information. So I will do this and see what happens. I expect my statement soon.

    I have called PayPal over ten times. I never talk to the same person to discuss my progress. Each person has provided me with different direction from the previous person. this is very frustrating.

    Could you please send me the PayPal area where I can submit a complaint. If you check my account I have been attempting to obtain a PayPal debit card for nearly a year.

    Would you be frustrated.? So would you please do me a favor and DO NOT apologize. This is a automated response from PayPal for I feel it has no meaning coming from PayPal. It is merely a formality and very shallow.

    At PayPal’s convenience please send a survey asking my opinion of the PayPal service.

    Stephen Utermahlen

  338. Paypal has now joined my list of worst companies in the world. Not only did Paypal repeatedly ship to the wrong address and use the wrong payment method after I specifically told them which one to use but now they refuse to close my account. I had the account for many years to use occasionally on eBay and they have caused nothing but trouble when I actually use it. They won’t even let you change your name or delete your old bank account or credit card information. Now they are basically holding my account and financial information hostage to use whenever and however they want against my wishes. What they are doing is illegal and I am in the process of reporting them to the authorities. I have tried calling customer service multiple times but each time they are nothing but rude to me and flat out refuse to help me. All I want to do is close my account with this fraudulent company. I would never had joined had I known how horrible they are to their customers and I can’t believe eBay makes you use them. eBay has now lost my business and I will do my best to warn others about this scam before Paypal takes advantage of them. I am just glad I didn’t enter my new bank account information because they probably would be taking unauthorized money out of there too.

  339. Paypal was magnificent for many years, but now they’ve begun mismanaging the funds with which they’ve been entrusted. After 8 years of trouble free business via Paypal they began withholding customer’s monies. Their customer “service” department has been condescending and unhelpful. Paypal definitely played a role in my building of more than one internet businesses as well as transacting thousands of exchanges for me but now they are putting me out of business. There are much better alternatives out there.

    1. Paypal mis-manage funds and are very un-fair to seller. they also give buyer 180 days WHO DOES THAT to return or dispute charge and the seller only 10 days to respond when seller information is no longer available readily. Post Office does not even have tracking that readily after so long


      Are you with PayPal? Learn how to resolve this complaint.

      1. I placed an order and seller said towels were not in stock, inquired about the status of towels and they never answered any of my emails. I got nervous and canceled my order. Paypal took 65.00 from my 130.00 refund without any explanation. I have emailed them seven times in order to find out what happened to the 65.00 they owe me and I get automated emails that are very long winded that amounts to nothing and all they have to do is answer one simple question. I am a buyer. I feel very sorry for the sellers but now paypal are digging deeper into their pockets and going after buyers now. I find it interesting that the seller didnt answer my emails and now I know that the whole thing was orchas… buy paypal to make an extra buck. Its kind of what wall street did when they started to target the poor for their corrupted real estate scam. I have contacted my state senator and I will let you know how it goes.


        Are you with PayPal? Learn how to resolve this complaint.

        1. Personally if you are a seller on eBay STAY FAR AWAY From paypal.

          I am a seller on eBay. Have done so on an off for yrs now. Sold an item the 18th of last month. Informed them the 21st of last month I could not deliver on that order. Did they want a refund or have me see if I can find something else for them comparable. They wanted me to cancel

          So I did and eBay sent me the link to refund. I tried and tried and told the customer their was an issue on their end. They replied their can’t be.

          eBay closed it due to no response back from the customer on the 30th. The morning of the 5th the customer messages me oh I need to go in and change my information on paypal.

          Then they tried to open a case against me. After I talked with eBay they closed it in my favor so this morning about 2 am 20 mins after eBay decision they open one with Paypal

          Paypal don’t care what happened on eBay and don’t want to believe or listen to me, so I am now switching everything to where I accept CC only on eBay now and trying to stay away from Paypal permanently now.

          1. and I had bad experience from the byer end. Paypal is the worst thing you can go with. seller sold me stolen phone and paypal said it is ok you should have know that. While seller said it is bran new phone, so I got to claim my bank and get refund.

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