PayPal Credit Reviews

The interest rates are ridiculous. I have been pay $112.00 for the last 3 years and I still owe the same amount or more. It makes no sense. They are the worst. Out of that $112.00 only 30 dollars goes to the purchase. It's crazy how these companies are allowed to rob people. I have no problem paying for what I purchase but to see no change after years of making payments is terrible.

Customer service can not help with any issue. I had a website rip me off. I filed a dispute and it will not allow me to provide evidence. When calling to follow up, transferred to a number out of service.

I was a satisfied Paypal Credit customer for many years. I am very disappointed in a recent problem that has gone unanswered. I ordered from a company and they tacked on another product and charged me for it. I talked to that company and could get nowhere since they were in China and there was no good customer service. So I turned to Paypal. I had a problem only once before and Paypal helped. This time they just kept closing the dispute. Then when I tried to appeal I got no response at all. Nothing. Once I pay down my balance, I am done with them forever. I am very upset here and I feel like they just let this company scam me. BEWARE WHO YOU DO BUSINESS WITH!

Our ministry has had Wix webhosting for 10 years paying $168 dollars a year and it used to auto renewed annually charged to our American Express. But during the last renewal, we switched to PayPal Credit by Synchrony. One month before our renewal, WIX changed our plan to the CORE plan and charged my PayPal Credit account $576 for the renewal 14 days before it was suppose to renew. I disputed the charge through Paypal AND my Synchrony Paypal credit card. Paypal noted that WIX said they would refund the charge, but because I filed a dispute with both Paypal and Paypal Credit, they asked me remove the chargeback with Paypal Creidt by Synchrony, but Synchrony ended up siding with WIX and closed the dispute, and did not remove the charge! Now, when I call Paypal, they say call the PayPal Credit Card. When I call the PayPal Credit Card, they say call WIX.

Anti-consumer lender. Fees structured to squeeze maximum ill-gotten gains from individual borrowers. This is not an upstanding consumer lender that makes its living by charging interest like reputable financial institutions. This is more like the sorts of schemes used to prey on everyday borrowers. 100% fees charged on day late payments. Multiple harassing attempts to eliminate paper notifications so that the near-criminal legerdemain can be carried out unseen. Avoid, avoid, avoid.

The first hint that I got that I had made a bad decision getting my PayPal credit card was a drop in cash back from 2% to1.5%, next was fraudulent request from unknown people for money sent from me. PayPal was able to cancel one I got from a gas station and recently from a Debra ** for $144 which PayPal charged my card that I grieved 2x. That was the last straw and I closed out the card. This has got to be the most unsecured financial institution I have ever dealt with, VERY SHAKY and I wouldn’t recommend using them!

I had this credit card twice. The first time, about 15 years ago, they closed my account. I had a 1000 credit limit. I paid on time, every month. They lowered my credit to 250 then after I paid it off completely, they closed my account. I didn't know it was closed until I went to use it about a year later. I called them and asked why my account had closed as it was in good standing. The rep told me that was a "mistake" and gave me a new card and account with a limit of 1800.

Started with a 2400.00 credit line. I had 2 late payments but paid them with the late fees included. Last week paid off the entire balance, app showed I had a 2400.00 credit line again, then yesterday went back to check, they lowered my credit line to 100.00 and charged me 48.00 payment due. I paid the 48.00 and closed my account. I will NEVER use them again!!!

If you have a problem with your PayPal credit card and call up they transfer you your PayPal account -- and when you get there they tell you to go back to your PayPal Credit Card. It’s a black hole. Don’t go near them.

Due to ongoing billing issues, I'm extremely disappointed with PayPal Credit, which Synchrony Bank services. Since October 13, 2023, I have been charged and credited $388.00 eight times. After thoroughly reviewing my statements from September 2023 to June 2024, I found no extra credits to justify these repeated charges. My account balance now shows an unjustified extra charge of $388.00.

Bar none the worst most incompetent organization I have ever dealt with. I just closed my 9k credit line because I cannot give 5 cents to such an abortion of a lender. Avoid at all costs. 2 year customer. Made a payment of 6 grand. They would not reflect that in my buying power for SEVENTEEN DAYS after it was debited from my checking account. Useless at every level. Thank me later. You're welcome.

I had PayPal buyer credit for over 5 years and payments were made on time, ALL OF THEM, at least 5x higher than minimum payment each month. Never had a late payment and no complaint during that time. I decided recently to lower my revolving debt to boost my credit score as recommended by credit monitoring subscription service I use. I paid off with commission check and felt proud to do so. As soon as I paid off balance with them, they closed my account, which then hurt my credit terribly. They claimed it was from one NSF payment. The NSF happened due me believing credit card was paid in full but still under $40 some left in new interest fees after balance paid in full. Still, payment of this was made on time, never late. They closed account without any notification to me. Never a late payment on the account.

Buyer beware. PayPal refunded me money in December for damaged goods. 6 months later Paypal claimed I had been refunded twice which was not the case. Then they took back the money they refunded me in the first place. A week later they demanded I pay them this amount which they added to the Paypal account. The whole thing is murky. If you want to use their service and register your credit cards with them that is ok. Unfortunately the Paypal credit thingy makes up their own rules. It is also difficult to view transactions and credits in an attempt to see what you owe and what you don't owe. In short Paypal credit sucks.

I had a $80. Credit. PayPal credit allowed me to make a payment on another credit card and then deducted from my bank account. Now they claim they can’t electronically transfer my credit to my bank. The only way they claim they can give my money back is with a check. 10-15 days to process. Holding your credit balance hostage.

I have to agree with the review that states they charge you interest regardless of making the payments they suggest to avoid the interest charge. I just had this same issue when all of a sudden I was hit with an excessive amount to be paid for promotional purchases by the promotional deadline in order to avoid interest. It made no sense to me as I had made significant payment amounts in the past…oftentimes paying more than what they suggested to avoid interest. I thought these significant payments were going towards the promotional purchases…I was trying to avoid the interest. So, I called to find out how they allocated payments because it just wasn’t adding up. They could not really give me a clear explanation. They claimed they would send me a detailed breakdown of how payments are distributed. What I received in the mail was a standard letter regarding my account…no breakdown. They are real shady.

I would like to warn other people to stay clear of Paypal Credit. Yes, it can be beneficial to use them for promotional purchases only which means you have 6 months to pay it off without paying any interest, however, if you make a non-promotional purchase, good luck trying to get it paid off. Even if you pay the amount every month to avoid interest which includes your expiring promotional balance plus the non-promotional balance, they will apply your payment elsewhere instead of applying it to the non-promotional balance. What does this mean for you? It means you will be charged interest and even if you call every month to reallocate your payment, they will screw it up and never pay off the non-promotional balance which means more interest payments to them. DO NOT USE PAYPAL CREDIT!!! They are a total scam!!!

I initially signed up for PayPal Credit to purchase an item using the 'Pay in 4' option. I set up the 4 monthly payments to automatically draft from my bank account and didn't think anything of it. I received text messages each month notifying me that a payment was made successfully and received a text after four months that I had paid off the item. Imagine my surprise when I finally use the service again a few days ago to purchase an item that was $265, then get a text from Synchrony that my account surpassed $500 (I had set an alert to notify me when this happens). Confused, I logged into PayPal Credit. Sure enough, I see a balance of $700.

Worse experience in the last 35 years. Bought tickets from Stubhub through PayPal Credit May 2 2023. The event was cancelled two days later and I asked for a refund. PayPal Credit asked for proof of the event being canceled. I sent them pdf of 4 news articles about the event being canceled. They said they would investigate. Well a year and 17 days later they are still billing me for something I never received, and even though they supposedly investigated about 6 times, they have never let me know how their investigation turned out. They put missed payment on my excellent credit report after a year and 15 days.

Terrible customer service and policies. Their system duplicated my monthly payment, so I asked to be refunded the extra payment back. They were willing to refund but stated they could only do so by check??? In this day and age, you can’t do a digital refund? Fast forward a month later and I never received the check they claimed was mailed out the next day. Called to follow up, and at this point I’m thinking why bother with a check? Just apply the money back to my account. I asked the rep to stop payment on the hypothetical check that was mailed and I’ll just take the hit of paying out double last month. This way they wouldn’t have to reissue out another check. The rep puts me on hold to find out if that could be done. Again… why would that even be questioned?

Very, very high interest rate. I missed a payment, which is my fault. Balance was was 110$. The interest charge was 41$ which is crazy. It’s not really worth it but then again it is what it is. It was convenient when I needed it for a purchase but I would not recommend to anyone I know.

I called into Paypal Credit to inquire about a charge I did not recognize. I asked for the exact name of the business (it was not clear on the account statement), and a phone number. The representative told me she had no information and couldn't provide any other details other than what I say on my statement. I told her I was sure Paypal Credit had to have the information and since she couldn't find it I asked to be transferred to a supervisor. The representative hung up on me. I called back and the call was answered by a representative from Synchrony who is the bank Paypal Credit uses. I explained the situation to that representative and she told me Synchrony Bank doesn't have the information I was requesting and to call Paypal Credit to get it.

I had PayPal credit for multiple years, never late on payment, just had fraud my checking account. I still make my monthly payments on time and pay more than minimum. They would close my account because I close my checking account and used different account to pay them. They claim they can’t get the money from my close account and they tried twice. Even though I pay them through different account and on time. They would try to double-take your payment without you agreed upon.

I had my account for almost a year... Had a $3,000 credit limit. I used it one time to buy some new tires for my car... When my first statement came out they also sent an email saying my credit line decreased from $3,000 down to $560! My tires were $546, therefore maxing out my credit account. Now I have a maxed out account on my credit report plus a limit decrease lowering my credit score.

Horrible! I’ve had PayPal credit for 2 weeks and it is not working. I’ve spent All Day on the phone trying to get it corrected and they are telling me there is nothing they can do about it. Evidently NO MERCHANTS take it.

While verifying my PayPal credit balance, I realized that accidentally a double payment of almost 2k was made to Synchrony bank. As a PayPal customer, I would think that synchrony bank would correct the error and immediately refund their customer (just like my current bank does). Instead, I contacted synchrony bank, and they explained that they keep payments sent in error for two months and then reach out to the customer to see if they would be interested in receiving reimbursement via check or allow them to keep it by reflecting it as purchase credit in PayPal.

I made a payment and they said that I paid hours early before the statement turned over to the new statement month. I called and spoke with a lady who assured me it was corrected and there was nothing else for me to do. Then after my due date sent me a notification that I was late on my payment and would receive a late fee. I called up and they were unable to help me with correcting the situation. They took off the late fee but to my credit score, it was a late payment. They also upped my minimum payment to a lot higher because they now say I missed a payment. I have paid my bills on time with them and have been a loyal customer for many years using them for my online purchases. It is disgraceful the way I was treated and how they handled this situation.

They are quick to get you in originally had a $700 balance. Never late and never over the limit. Paid before statement came out and out of the blue they dropped my credit line to $100. Keep in mind the bank behind them is Synchrony avoid both at all cost!!!! The customer is awful and they seem to decrease or close accounts regardless of pay history.

I've been with PayPal Credit since it was Bill Me Later. My balance on one transaction, that expired on April 2, 2024, was $1011. I made a payment and PayPal credited that payment to a transaction that doesn't expire until July, instead of the transaction that was set to expire in April. I messaged them to have them allocate my payment to the transaction that is about to expire (and happens to have the highest interest charge). Instead, they allocated my payment to other transactions and the balance on my $1011 balance transaction is now $1900. Their system purposely allocates payments to the transaction with the lowest interest due so you will end up owing interests on the "no interests transactions".

Without a doubt, PayPal Credits Fraud departments behind the mass scams going on with clients’ accounts. Just like most the others that’s left feedback, money has come up missing and I caught them lying about it from the beginning. I put money into an online wallet, which they did a return within two hours, I hadn't bought anything with it, and it was simply for future work. I confronted them right away about the money missing in August and they said I called it in as fraud, which was a full and complete lie. I have proof I began to say I never said it was fraud, that someone in PayPal Credit did, right away. I began to ask for proof of me calling it in as fraud because I could have withdrawn it. That’s when they admitted on 3 occasions someone from the fraud department did the return, then they would say I did, then they would say they did.

That’s pretty bad considering the quality of the other customer service departments out there! Thanks for nothing! Identifying items purchased and what they were for. Called four times in a row and every time was hung up because the machine didn’t work.

I have had an account open with them for about 3 years, I always make my payments on time. Decided to pay it off fully and they decreased my limit to $100. They are very quick to decrease your credit limit with zero notification.

I religiously pay my bills on time, but even after I’ve applied the notifications to my account. They DO NOT notify you until your account is way past due and you owe a hefty late fee, which they WILL NOT forgive!!! Do not get caught up in this debt!!

Been with PayPal credit over 3 years and paid account balance off several times since. I had my bank account hacked and had to change account number so since it was disconnected from PayPal and auto pay returned for closed account on old account didn’t bounce over like NFCU stated it would so they closed my account making credit usage high therefore DROPPING MY CREDIT SCORE Before I needed to close on home. Horrible experience and customer service experience a joke.

I've had a PayPal credit card and credit line for years, linked to my bank account for monthly payments. A few months ago, my Paypal account became disconnected from my bank account somehow, and so I tried to re-connect the two on their website. Every time it gave me an error message. So I started contacting their customer service, via email, the chat option, and by phone. Over a period of months and many, many attempts, they were unable to resolve the issue, and I started to wrack up numerous late fees and penalties, and their collection line started blowing up my phone. But when I'd talk to their agents, they were consistently unhelpful, either telling me a) there was nothing they could do, b) all I had to do was go to their website to link the accounts (not true), or c) they'd say they were transferring me to another department, and the line would hang up on me. Many of them, on a side note, were quite rude and unprofessional.

I had a problem with a merchant charge and was given the runaround. They did not care that I was scammed. I will not use this service again. Do yourself a favor and use a reputable credit card company.

I had my account on autopay for about 2 years. Never had a problem. Then one month it cancelled my auto pay and charged me late fees. They no longer want to use the bank I had. Then they closed my account. No notice nothing. Will never use PayPal again.

I just got $200 of credit line. Asked for a raise after 1 year and just got $400 now. While I have a credit score of 750 and up to $15000 of credit on other cards. Do yourself a favor and never apply for this. It's not worth it.

I have been trying to contact PayPal about cancelling a dispute with a vendor that has been corrected. I called 3 times yesterday and got hung up on. So I am trying today and it took me 3 minutes to get rid of the computer. Then I was put on hold and when I got through I found out that they had never put the complaint in, in the 1st place.

I made a purchase and charged it to PayPal credit. The item was never received. I contacted the vendor and was ghosted. I filed a dispute with PayPal. They did an investigation and the end result, the charge was left on my account. The company I dealt with was an international seller, Coolnary. It appears to have been a scam. I will not be using PayPal again. From my experience, credit card companies work with you when this happens. Now, I have to pay over $100 for merchandise not received.

I received a Paypal Mastercard. Couldn't get a simple answer as to why a newly activated card was being declined. Was transferred 6 times! Had to start over with a BOT! Customer Serv Reps, Incompetent!

I can not believe this company is allowed to exist. Where is the Consumer Protection Affairs department to protect consumers from this unethical, deceptive, and fraudulent credit service??? I have NUMEROUS issues with this company that after months of dealing with them I have gotten Zero help resolving. Worst part, every time I try and contact this company to resolve my problem, once I have explained my issue, the phone call conveniently drops. Here is my list of issues:

I purchased 2 shirts from PJ Jones. I only received one of the shirts. Tried contacting PJ Jones. Luck was not good. Reported to PayPal. Started investigation 3 weeks later. They PayPal closed the investigation. Said PJ Jones sent both shirts. Meanwhile I’m out of 37.00 for a shirt I never received. Kroger used my account. After I ordered groceries one of their employees used the account at Lowe's and added it it to the Kroger bill. Tried to get help from PayPal. They added the money until investigation was completed. Said I received my groceries. Yes I did but what about the extra money charge to my account? PayPal pulled their money back. Now I’m out of more money that I won't get back. Do not leave your bank account connected to PayPal. PayPal will let someone drain your account and will not refund it back to you. Stay away from PayPal. Credit is not worth the loss of your money.

I purchased "reverse health" in error. I thought it was another program similar name. I immediately after purchase requested cancelation and refund. The company of course would not refund me. I went to PayPal and provide proof of everything and they rule in the seller's favor after seeing my emails to them. This is not the first issue I've had with PayPal. I'll be paying off my balance this week and closing my PayPal credit account.

I purchased concert tickets using PayPal excited about making monthly payments. Found out that PayPal charged me for the full price of the tickets $1500. My account was left with $98. PayPal told me to get a refund from TicketMaster for the tickets that I worked so hard to get.

It is not part of PayPal, they pawned it to a 3rd party service or so it seems. If you call PayPal to express your concerns or problems they give you a different phone number to call. I bought an item from Ebay and used the PayPal credit to pay for it. The item I purchased was damaged and the seller knew about it prior to shipping. I refused to keep it, sent it back with a provide shipping label. The only thing I did not know was that I paid for the return shipping. If the seller knew the damage was there he should have reported or gave that information prior to selling it and he should have been responsible for the return shipping. I would have never bought the item with the damage. I left the seller negative feedback and Ebay did not stick him with the negative feedback but made me paid for the return. POOR BUSINESS PRACTICE.

I was purchasing items through PayPal for years. I never had any issues. I used their credit card to purchase many items. Then I looked into my bank account and my savings account was compromised through the PayPal app. $30,000. I closed everything and had to start all over again. My savings account information was stored within their website to pay PayPal. My bad. The site is unsecure. Their only concern is when you have a negative balance due to their insecure platform. The only reason why I had a negative balance was due to paying a website named PayPal of which their customer service agent let me know that was not them. How or why I have no idea? They didn't even know who it was. It was laughable. Unsecure website. Convenient at a high cost of having to remove decades of auto pays.

Two separate times I did a dispute for different things!!! This one, a product that was suppose to be a 16 oz and they sent me a 4 oz. I gave Paypal pictures, emails, everything they wanted and they still denied the dispute! Due to not enough information. WHAT!!! I gave them everything!!! The website even took the posting off the website and not a mention of them from paypal. Trying to get through to someone was a nightmare. Finally did and they said they would reopen it. Well they never did!!! Tried again and they said it was closed. I even showed them pictures of how much I paid for a 16 oz since I buy this product often. They want their money and don't care about their customers. I'm not letting it happen a 3rd time.

In my last activity to Paypal, I was charged for scammed transaction, I filed a claim but Paypal preferred to side the scammer. In short, I called my bank linked in my account so that Paypal will not charged me for the scammed transaction, After several years, I received a collection from Paypal under 3rd party collection and I ignored and after few years they filed in a court for mandatory payment from employer and they charged twice from my last transaction. I'm struggling for a few balance remaining in my employment checks (but I guess they don't care of course).

I have had a PayPal account for a number of years and still have been enjoying the benefits of it. Recently, I got PayPal Credit to help work around some occasional financial tension from this horrible economy. Unfortunately, I learned very quickly that I should’ve gotten a real credit card instead. While this may be good for online shopping, it is very limited on almost anything beyond this and is basically funny money that cannot be accessed. I did find out I can use it on the McDonald's and possibly the Target app. Most apps however don’t even provide this as an option and it cannot be used to refuel your car. I’m no financial expert but if you are looking to get a credit card, don’t waste your time with this service.

This is my second time have a fraud charge at PayPal website. My account was hacked through PayPal, so PayPal is not safe for any transaction for everybody, this is so ridiculous. I have to change my credit card only because of the PayPal for two times. Very bad experience because of PayPal. That’s ridiculous.

I had a credit account with them and by failing to pay the total balance before interests accrual they charged me $78 the first day for a balance of $386. They don't have a soul and are so greedy... If there is a hell I am convinced they will end there.

PayPal Credit opened a credit account without my permission. I never used it, because I didn’t even know that it existed. I was checking in to my regular PayPal and saw I had a credit account with past due charges. There was a previous charge from someone in France several months earlier, with several past due charges. That should have been a red flag when I had never used the account before! I called and they started an inquiry to the fraud. They closed that account and opened a new one. The next week the balance was the amount of the fraud charge. I called and they said it was a credit for the charge. I asked for it to be transferred to my regular account. They said they could only transfer it to my credit account.

I have used Paypal Credit for decades. We used it for our business. We have ran tens of thousands of dollars. I purchased eyewear from Designer Frames Outlet and no product arrived and they did not respond to my complaint. Paypal Credit will not respond either. Don't use it! Use American Express or Citibank for real credit card fraud protection!

I have been a Paypal customer almost since day 1 but I'm done except for sending Birthday cash. Customer Service is not qualified to handle much more than that. I started using them for purchases because it was easy once you entered your credit cards and they offered extra protection. Not true. I've encountered 2 issues with 3rd Party websites, that were overseas scams, but PayPal couldn't get it no matter how many times I explained, how many times I sent reputable screen prints stating the site was a scam and after weeks of working with them, they deny your claim because these companies have paypal figured out but PayPal hasn't a clue. They are in over their heads. So, don't use them for purchases, you will lose, not Paypal. Stick with your credit card company that knows what they are doing. Date of experience: July 20, 2023

I have had many credit cards, never a problem after so many years...except Paypal! I always pay off balances monthly, as I did with Paypal. After 24 hours no verification payment received, figuring my payment didn't go through...other banks list payments received and also inform customer if making a double payment. So I paid once again...and AFTER second payment, my first payment was listed. I called immediately to cancel second payment...after all I just made it. NO...paypal agent says he can't cancel until it is processed.

I tried their offer for a big purchase. It was 2% interest and 2 years of $160 a month. It was fine for a year then I did another and they start allocating my payments so they can charge more. Scammers.

PayPal Credit advertising to apply for credit, and you can pay your federal taxes. Guess what? After you get your line of credit, they won't give you the option to pay with your credit line, just like with Walmart same when you checking out to pay, you are only able to select your Paypal Debit which is your personal account. So just be smart and don't believe over $99, they financed for 6 months 0.0 % APR. Since Synchrony Bank took over it's all **. This Bank destroyed the PayPal logo, never is the same again.

Online order trusted Synchrony Bank to safeguard my transaction. Synchrony Bank accepted fraud USPS documents as legitimate despite evidence contrary to USPS policy for the weight limit. I was forced to pay for a fraudulent transaction, regardless of bonafide proof of fraud. Rather than investigate validity of evidence Synchrony Bank chose to side with a illegitimate seller for which I was held responsible. Apparently, any crooked seller can use this service with absolutely no recourse. My advice is close all accounts and never do business with PayPal Credit or Synchrony Bank or their affiliates. Simply a dishonest business and not worthy of trust.

I ordered a pair of sneakers online from a company Ire. which turned out to be a Chinese Co. I even paid through PayPal and including shipping insurance. I received the wrong size and the seller told me to ship them back at my expense to China for a refund. The insurance was for one way. They refused to return pay. I refused at my expense, fearing if lost, I was out the sneakers and my money, so I filed a claim with PayPal and was refused. I appealed twice more sending them pictures of the receipt and sneakers as proof of the wrong size. Still, they denied my claim saying "PayPal only covers goods and services that weren't delivered or not as described". I feel I am wronged by both parties and especially disappointed with PayPal!

Hello, I am a great customer of Synchrony Bank regarding their credit department. I either pay off my credit immediately or before my financing is up. I bought 2,993 dollars worth of retail from a clothing company online and returned all of it. The retail company refunded me every last cent. Unfortunately, Pay Pal credit did not refund me the whole amount and still charged me 402 dollars. They only have call centers which I have dealt with three times about this. The first person did not understand what I was saying and was trying to dispute all my charges, which I did not want. Then she told me she would release my funds to pay it off, which differed from our conversation. She was making everything worse.

My PayPal credit account was broken into with 32 transactions from Walmart in one day. First, to not be suspicious and reach out to me to find out if I authorized these transactions, I think is so unprofessional. When I did reach out to the "fraud dept", they are located in a different country. I couldn't understand them and they had the nerve to ask for my order number from Walmart! I hung up and called again. This agent, from another country, took down all my fraud charges. It took 45 minutes, but thought I was done after I closed the account. Ended up they took all but four off my account. The next day, I had to call again and this agent said they couldn't see any of the charges left on my account. I demanded they open another case and put the four charges in.

A hacker charged $750 for purchases to my Pay Pal credit card. I opened a fraud claim which was denied three times. I did not have any other option than to pay it off to protect my credit rating. I cannot afford an attorney. I am beyond upset.

Paypal credit. Calculate your amounts because their system does not auto update. They add invisible fees to the purchases before the month is even over and no payment is due, without stating them in the amounts shown. Had to contact support for them to correct the amounts not once, but twice. The bank is Synchonity Bank and it's no good. Nor does the pdf statement match the website balance. I had a balance of $0. Did the math, spent $600. Somehow they are charging $780. BEFORE the month is over. Better off going through another bank for credit cards. How does a purchase of $600 go to $780 in less than a month?! When no payment due. Keep an eye on your amounts.

I started a PayPal credit for some hunting gear. All my payments are 2 months ahead. Tried to pay 80 dollars on my 240 dollar bill that's not due till May. They took 5 days yet it says 24 hours on PayPal credit app. It said it was reversed but still have not seen the money on my bank account. I went on my paypal account to make a payment today and seen they added a 161 dollar penalty to my account. That 161 dollars plus the 80 dollars that has not been sent back puts me at 201 dollars in the negative. Called a little mad because I live paycheck to paycheck like a good chunk of America and was hung up on. If I could give less than zero stars I would. Do not give them your business. They wonder why they got hacked 10 years ago by Anonymous. Definitely wasn't because they're a good straightforward company nor was it for the money as they took nothing.

It took me over 10 days to finally get PayPal to close my account, due to fraud, because Synchrony Bank whom I owed nothing to close my account. FYI there is no brick and mortar synchrony Bank!!!!

Just a warning for you so that you don't have the same experience. I have been using the PayPal Credit app for years. Not once, ever, has there been any communication about a "Non-Promotional Balance". Apparently, every time you make a purchase using PayPal Credit that is less than $99, you get charged. I don't even know how much you have to pay per transaction because they couldn't tell me. Nowhere in the app, in my statements, or on the website (that I can find) does it mention this charge. I was diligently working to pay my balance down.

I did not receive an item that I ordered. It was my first-time ordering through a company, so naturally I used Paypal as they have always been reputable in the past. WRONG. Paypal Credit is owned by Synchrony Bank and is NOT associated with Paypal's customer service that we are all familiar with. They are NOT to be trusted. I filed a claim, and Paypal ruled in the seller's favor as the item said delivered, however I never received it and the seller never even sent tracking information to my email. This wasn't a small purchase either, it was almost $300. Now I have a $288 charge, and nothing to show for it. I see a lot of similar reviews and believe that a class action lawsuit should be filed against Paypal credit. If Paypal cares about its reputation - it should stop doing business with Synchrony Bank. I do not advise anyone to open a PayPal Credit account.

I purchased an item on EBay, paid with PayPal Credit on 6 months no interest. I canceled the item, but EBay shipped it anyway. I refused the shipment just like I told the Seller I would, I never laid hands on the goods, I refused it directly with the courier. However, Synchrony would owns the credit card, said that their protocol only allows for, if the item shipped. The fact That I refused it doesn’t matter. Keep this in mind when using this service. I am disputing with the Credit Bureaus because they didn’t care that I never received the item.

I placed on order for an ebike shipping from China in the amt of $82.80, on 2/21/22. I opened a dispute within days of the order. The ebike never arrived and was told a credit would be issued and was issued 4/24/22. In reviewing my statement they never issued a credit of 82.80 to acct. This is fraud in itself.

I've contacted corporate and main office about how I can't log in to my account because I no longer have access to the phone number but to no avail, they keep sending same typo login to account to message them but how can I when I don't have phone number.

I won an auction on eBid for a supposed Playstation 5. The seller a few days later said they sent it to my home. They provided a tracking number for FedEx. The problem is it didn't designate an address, just merely that it was delivered to a home in the city I live in, Groveland Florida. I tried to speak with the seller because the package never got to me. They provided a custom tracking label (which is from his own company and if he's a professional scammer means nothing) and a FedEx label picture with the Street Address whited out (seemed like from paint or something similar).

I made a payment on Nov. 2nd and got bill afterwards and payment was due on Nov 26th. The next bill stated I did not make Nov. payment and was charged a late fee. I called and they said they could not change It and even talked to a manager named Connie who said they could not change it because I paid early. So I would not recommend using them.

This is a tough call for me. PayPal Credit has basically been a decent company for me to deal with. They've gone to bat on my behalf when I did not receive a purchase and a couple of times, when I fell for an online scam. I've only ever had to call them twice in my 12 year history with them. Most recently, I called yesterday and I was disappointed to hear the ** accent on the other end of the phone. The rep was told to tell me certain things that I think are untrue, and one of those things has to do with the law in the United States. The Card Act of 2009 requires that credit card companies apply any amount paid over the minimum to be applied to the highest interest balance.

App sucks and is 2 days slow to update, DO NOT USE THIS CRAP. Is confusing and uninformative about anything, 0 details on info. Customer care is crap, I have Tourettes and cus sometimes, and they hang up, even after I told them this the 2nd time. Slow out of date app and website that does not keep you up to date. And take 2 days to update.

I signed up for Paypal Credit to make payments on a painting service. They told me they had a warranty of 180 days. On day 1, I made a complaint because the company did not complete the job hired. It was to replace my ENTIRE ceiling in 4 rooms. They patched up a few pieces and didn't complete an entire room. Paypal sided with the seller with no notice or explanation. Paypal and JaxFlo were crooks. Lawsuits to follow.

If like me you use PAYPAL to pay for online goods thinking you get more protection against scams, Think again because you wrong, I bought an item from an online store and paid for the item using PayPal Credit, when the item never showed up, I contacted PayPal and opened a case against the seller, after three weeks, PayPal informed me I had lost my case against the seller as they have provided proof of delivery, I received a copy of this "proof". It was a delivery made by FedEx to a car waxing company. The item delivered weighed 13kg and had nothing to do with the microphone I had paid for, PayPal are part of the scam in this case, please think twice before using PayPal for your online purchases.

I had Synchrony PayPal Credit and my account was set on autopay. I was NEVER late! Then, at my surprise, I receive my first letter informing me that they were closing my account due to delinquency and not receiving payment for 3 months. I start receiving letter they're closing several accounts! All with excellent payment history! I quickly contact them; I knew there had to be a mistake! I know my bank account has the funds to pay my bills and the account is set on autopay. I contact PayPal immediately to attempt to fix this. The first customer service representative accuses me of not having enough money in my bank account. The next rep accuses my bank of having technical problems. Finally, the next rep admits they have a "GLITCH" in their system and advises me to cancel automatic payments and wait a few days and re-enroll for autopsy.

Everything's fine until they sustain a loss thru fraud (hacking). Then they accuse you of causing it and limit your account! This means the money stolen from your account is "frozen" for "six" months! Meanwhile, even though your account is "limited" it is still attacked by hackers. They seem to have no control over your security. Avoid them!

Never again will I use PayPal Credit (Synchrony Bank) definitely deceptive practices!!! They tried charging me $45 interest on a $226 purchase and tried charging me a second time for the same purchase that was paid in full. Sign me up for the CLASS ACTION LAWSUIT that's needed!!!!

Venmo not user friendly. Unable to transfer funds to or from my linked bank. Venmo shows bank is registered. Very disappointed in transferring $$ to another Venmo member. Disappointed in Venmo,, I will not use the Venmo application in the future.

I ordered 4 tires from Walmart and immediately cancelled. They sent anyway and I refused. After a month of proving I did not get product, PayPal issued credit for merchandise less the sales tax of 28.16. I have disputed the way they told me to, provided Walmart documents as well as their own documents and now they want me to dispute again in a different way. All I want is my sales tax back. Should be a no brainier. Way too hard to deal with.

Don't try to use PayPal credit card, because it will worsen your credit score. To be honest my credit was going up and up about $4,000 credit and they keep increasing making it difficult to control it.

I know things happen but I cannot understand how 9 fraudulent charges were allowed to be charged to my PP MC via Sam's Club online site including the purchase of a membership followed by an additional 8 purchases of gift cards back to back in separate purchases. I was told the charges declined however was later told they were not declined. Why would a cardholder need to make separate purchases of gift cards at same time, date and same merchant when 1 purchase for total could have been made. My point is what verification did PayPal require for these online purchases… NONE!!!

PayPal Credit Synchrony Bank falsely advertised deferred interest in purchases of $99 or more. However, its system will automatically apply payments to promotional transactions expiring further out rather than the standard balance first which is absolutely subject to interest and promotional transactions expiring the soonest. So, I am required to call customer service after every payment to ask that my payment be reallocated in a way that would be consistent with the advertising and deal with poorly trained account managers who give you a different explanation of how the process works every time I call and then it is real hit or miss whether my payment reallocation requests are processed correctly. I have to spend hours on the phone each month, sometimes multiple times a month since I make payments more frequently.

I opened a PayPal Credit account 4 years ago when eBay had direct connection with them for payments and purchases. But since eBay no longer deals directly with PayPal it's not very good anymore for PayPal Credit. I have had 3-4 hours on the phone this past 2 weeks asking for them to fix things because eBay made mistakes in refunding to my account. So I am closing my PayPal Credit account. It's just not worth the hassle.

Ordered a vacuum cleaner from a site that accepts PayPal. It was my first time using PayPal credit so I was getting a discount on the purchase and it seemed like a good deal. Needless to say several months later I have yet to receive the vacuum and PayPal did nothing!

If at all possible, use your Visa or Mastercard. Paypal offers no protection anymore with companies. I ordered a guitar and never received it. I have proof it was sent back to the company. Paypal will not even investigate it. They just say I'm **. I also purchased an online training course where the teacher didn't follow through. Again, Paypal credit has said ** (too bad too sad). They won't even work on it for me. I will never use them again. They are not there to protect you so no reason to use them.

So I got a PayPal credit account solely for Pokemon cards because you never know if what you are getting online is legit or not and they state that any items that are counterfeit won't have to be paid for... All was well until I noticed that an order I purchased for $104 was all counterfeit cards, I opened a dispute and explained I have tried to resolve it with the seller and got no response.

I recently was offered a PayPal Credit line of credit via my PayPal Dashboard. This line of credit comes from Synchrony Bank. My recommendation is don't even bother. Don't accept it, don't try it. There are plenty of other banks and ways to obtain a line of credit. It was a horrible experience, the customer service was horrible. I requested to close my account after having it less than two weeks because of errors Synchrony bank made that affected other accounts I have. Total nightmare and waste of time. Don't do it.

I was checking out and was using PAYPAL that I have had for over a decade. Never any problems. Then payment page says, “STOP, to sign up for PAYPAL CREDIT, you will get $20.00 off your first payment,”(or words to that effect). Sure, I signed up and then AFTER receiving the email confirming I had successfully signed, it was explained that it was a DIGITAL ACCOUNT! Payments to be made on their website. SO NOW WE’re GOING DIGITAL! OMG! The one thing most Americans don’t need! I tried to pay it off and found myself on the computer and the phone for over 3 hours trying to avoid that payment. 3 days later I found their 800 number and was able to pay it off using my bank account and....CANCELING THAT PSEUDO-DIGITAL COMPANY!

Within 10 minutes of installing this app I WAS HACKED. My primary email was changed to someone's email. I did not know. My email was listed as secondary. Had to close down my entire account...If I could rate it - to INFINITY I WOULD!

I will never recommend PayPal. If you're a business owner use other means. Had a customer send money through pay pal and the money was immediately deducted from their account. Pay pal says I'll get mine 10 days later.. Humm so you got paid but I can't for 10 days. Something seems a little fishy here. Maybe it's time for a audit.

This is not the first time I had problems with these crooks. I have been watching my PayPal credit for weeks and staying on top of my purchases and payments. I made a payment of $175.00, my balance was $391.00 after the one thing I purchased. At that time the purchases I made was $391.00. They took my payment of $175.00. The balance is now $391.00. I called them and I got a rude guy that I had a hard time understanding but I managed to listen to where my money went. After I keep telling him my statement say something different than what he was telling me then was yelling at me, I told him to stop yelling at me because he knew I was right so I told him, "You're wrong" and then he hung up on me so I called back, got another idiot, this time a woman. We went through the same thing and she started yelling. I said, "Let me talk to a supervisor." She said ok and hung up on me so bottom line, they robbed me of $175.00.

I recently accidently sent money to the wrong recipient by using my daughter's phone number. It was not sent to her but someone else. I noticed it immediately because the confirmation showed a different recipient. I immediately went on line to chat; got nowhere. Called within 1 minute of the transaction notification to explain what happened. Well they will take your money and send to someone else immediately. Takes 10 days to get it back and they want You to reach out to who They mistakenly sent your money. When I called she said "never use a phone number to send money because it can sometimes go to the wrong person". Took over a week to get my money back.

It took 5 months for Paypal Credit to resolve a dispute with Saks 5th Ave. Paypal credit kept denying the claim. Say the package had not been delivered. Even though I provided the Fedex tracking # that said it had been delivered. I sent in documents and emails from Saks that the product had been returned on 3/16/21. It wasn't until I called Saks, gave them Paypal's transaction #. Then Saks contacted pay pal credit and pay pal credit finally gave me the credit of $773.80. Pay pal credit kept denying the claim. At least 5 times.

Interest and late sucks with PayPal Credit over the years **. These guys are sucking money even after paying minimum charges. DO NOT Take the PayPal or PayPal credit. Never see company get the money like this oh dam god!

Around March of 2021 I noticed an issue. PayPal credit payment did not clear my bank, I was paying before the due date so it was not late. Two days after the payment, PayPal credit informed me my payment was declined. I checked the account. Sufficient funds were there so I paid from a different account because that bank was NO LONGER listed in my PayPal banks listed as linked. In May 2021, I received an email that I was late on my payment, I could have sworn I made the payment. Two days later the money was taken out of my account. I had a late payment fee, two days later the same amount was taken out of my account again. The nice thing about PayPal is they will warn you if you already scheduled a payment, this time there was NOT a warning, it was like I never scheduled a payment.

I use an invoicing service that switched to PayPal and had to set up an account. About 2 weeks later, a customer asked if I accept PayPal, I replied yes. That was on July 14th. The next day I looked and PayPal site said I would have to wait up to 20 days to get my money. On July 28th I called PayPal and spoke to a "supervisor" which after a long discussion of going nowhere and requiring more proof that I am a business, to them to give me my money and close my account. They then said they will hold my money until 1/2/22, or 180 days.

Was searching for pellet smokers online, and came across Pitboss-USA.com and knew they made great smokers. There was a clearance sale going on of older models, and I purchased 2 of them. I used my Paypal account, which is tied to my Credit Card, thinking I had backing from Paypal if something went wrong. I was dead wrong on that idea! I never received any product from the company, but they did provide a FALSE tracking number, that even the Post Office says was NEVER delivered to my address.

I bought a product from a merchant using PayPal Credit. I cancelled the product after changing my mind. The merch refuse to give my money back. Even though I showed proof no product paypal sided with merch.

Three years or more, I shared with everyone how great Paypal easy pay options were available to all. Then it began, charges to my account I did not make, late charges, collections...because I had not used the account I had not idea for months of the charges. Calling them and investigation, it was confirmed and charges removed but the late fees were not. Initially told I should have contacted them sooner! Ok but they were not my charges...so finally 2 months were removed while they could easily see there was a third month out there already charged but did not address. Each time, I asked that the account be closed. Initially, Not until the charges are resolved. I see why another bill with late charges...called again. Asked to cancel...would request removal but can not close until account is clear.

I bought an item from Extreme Terrain and used my PayPal account to pay, my item came in broken so I returned it. Extreme Terrain won't refund my money now even though it was returned & verified by tracking number of the return, because I opened a dispute with PayPal. After I filed the dispute PayPal decided that the seller had proved delivery of the item and PayPal didn't even show me the seller's reply to it & ignored the fact that I returned the item with the return label THE SELLER PROVIDED ME!. Basically, PayPal recharged me for product I do not have. And like others have stated "Customers that were lied to about service and products are not PayPal's concern." Could not have said it better! Very sad & poor customer service.

Stay away from PayPal credit. They will keep bumping your credit up until you’re so deep it takes years to pay them off and they don’t ask you if you want an increase. They just give it to you a little at a time. It took me 7 years to pay them off. After I did I cancel the account. Credit score drop 35 points and they added a remark to make it worse. These people are predators and will take it advantage of people whatever they can.

This co. Has taken my $ hostage simply for using service more than I used to. It's been over 2 wks. Customer & auto services useless. Intrusive questions re: transactions. Forced to resubmit ID. Still not.

I usually use Paypal for making donations. I guess they have a new policy where they charge an interest fee immediately on the transaction PLUS a 10.00 transaction fee PLUS another interest charge. The total charges amounted to a 14.70 fee on my donation. I am closing my account. That's robbery. There are other sites that don't charge these fees.

I have had a PayPal credit account for a few years. I have had a credit score above 750 for that time. I haven't had a late payment in over 4 years and can count on one hand the number of times I have made a late payment in my lifetime. Suddenly, my credit limit decreased today without warning, from $6,500 to $1,500. This is a considerable decrease for me and has lowered my FICO score. It is absolutely ridiculous that I should be punished for no reason, without warning, despite my fiscal responsibility.

On November 11th I sold an inverter to a Kamoru ** from New York. He personally came to my house to pick up the item. He paid me through PayPal. On January 10th he put a claim into PayPal saying he never received his item. He came to pick it up. My account is over 500$ negative. I called PayPal, told them he picked it. He said he contacted me regarding the item and I never answered home of course he never contacted me because he has his item. He picked it up personally. Because I can’t produce proof that I shipped it they are going to give this guy back his money. He picked it up, so I wouldn’t have a shipping label. And because he put the claim in first PayPal don’t ask him for proof of contact. I have all text messages from him as proof he was here. PayPal don’t care. Going to file police report today.

It's great that you can make interest free purchases through PayPal, but they do not make it easy to pay it off. You have to call customer service and speak to someone in India in order to allocate your payments to that particular purchase. You should be able to do that online without making a phone call to India.

A couple of months ago I decided to open a PayPal Credit account, was told I would receive a bill and then forgot about it. Suddenly last week a couple days before the bill was due, I received an email. The only way to pay was with a checking account or debit account. I called and was told there was an extra charge to use my bank account so stupidly used my debit card. This was via a India-speaking call center. It was a long, drawn out conversation, where each set of numbers, a partial confirmation number was given. In between, various products were offered and even though I said I was not interested in buying anything, I was told to say OK and proceed. At the end the person hurriedly gave me the last nos of the confirmation and did it so fast that I did not get it and the call was disconnected.

To purchase paintings from Etsy, I opened a Paypal account a week ago. I successfully linked a bank account to it and opened a Paypal Credit Acct. However, when I checked out, I got the error 'The bank account can't be used', and my Paypal Credit did not show up as an option. It asked me to link to a credit card, which I refused to do due to the 2.9% fee. I kept trying, two days later, a checkout was successful by charging to my account (and that amount has been debited since). After that, the same error happens again for another purchase.

I made purchases from Etsy and Sharper Image with the payments charged to PayPal. PayPal sent email confirming payments made to the vendors. I called my bank only to find out PayPal says assessments were made, triggered by Sharper Image being "unsafe" so all transactions were denied for a total of $230.38. PayPal then billed these charges to my bank's debit card account. The balance in the bank was not enough to cover these charges so now I have bills that have bounced because of insufficient funds. I feel I should not be penalized for unpaid charges and all other fees. May I add that I have a PayPal credit of $2,200.00 that I can use? After this issue is resolved, I'm cancelling PayPal!

This is the worst credit care experience I have ever had in over 50 years of credit. After one late payment and NO notice then reported our account to the credit bureau. After explaining the situation to them they refused to amend the Credit Bureau Report, driving our credit score down by almost 100 points. After reading the other complaints on here I don't see how they can stay in business. They treat prime and super prime customers like sub-prime.

I had a PayPal MasterCard for years and years! Since COVID-19 struck I have not been able to make any purchases and even before then I did not make a lot because I have been rebuilding my credit (from 10 yrs ago) and I am happy to say my credit status as of today is excellent standing, which it has been for some time but I just wanted to stress that for purposes of this review.

Why I love PayPal?

This organisation works closely with Dell Computer (featuring upon their web-site). After their failure to perform on a delivery, the order from Dell was cancelled - which Dell accepted. However, PayPal credit have clearly paid Dell, and continue to chase me for payment of monies re: product not supplied. PayPal Credit seem unable to understand that this is a triangular credit agreement - and they need to obtain a refund from Dell. Their credit control team uses an auto-dialler arrangement - which if you answer the call connects you with someone who hasn't read the file before speaking with you. When they do finally understand the situation - resolving matters is beyond the relevant operative's pay-grade so they simply are unable to do anything. REPEAT REPEAT REPEAT.

When I try to pay for a item using PayPal credit they return my payment. Even then charge me for a late payment. Then after charging me for a late payment they then get they go ahead receive the money from my bank. Had no problem. When when using Synchrony it is ok. The problem only occurs when using PayPal with synchrony bank.

PayPal Credit and all the Synchrony major credit cards and retail cards is a scam. Every two years they have eliminated all my cards, in total over 40 cards. My Fico score is always 720+, will be 823 in 30 days. Recommend applying for Major credit card like Discover, or American Express. Pandemic has made this worse. PayPal Credit approved me for 2600 and next day closed my account for no reason. Same credit score. Nothing changed. Ran 3 reports. What a waste.

Payments posted later than actual payment and then PayPal charges fees and additional interest. You cannot pay down a higher balance due to the fees and interest. It seems fraudulent and as if PayPal is taking financial advantage of their consumers. You would think a pandemic would make this company want to be better!

I made a payment in September. Instead of PayPal MasterCard they applied the entrapment to my PayPal Credit account. The day after my payment was due they started harassing me. I submitted a payment for 10/15/2020 and they still harass me. When my balances reach zero I will close all Synchrony accounts (Lowe's, PayPal, PayPal MasterCard, Amazon store card.) I always made at least the minimum and in many cases more than the minimum.

I strongly encourage everyone to avoid using PayPal. While they were once a great company, they no longer offer phone customer service or competent online chat help. It takes 24-hours for them to respond to all messages and they don't have a thorough understanding of their own company or how it works. I recently sold something and PayPal was the universal company we both used so we opted to do the transaction through them. I was never able to verify my new bank account because both my husband and my name were on the bank and phone account.

I was excited to sign up for the 2% cash back PayPal card and was issued $15,000 in open credit. We set the account up for autopayment from our checking account and moved most of our monthly bills to the account. We have had multiple problems with their security team denying charges at critical times over the last 3 months. Furthermore they only way to see transactions on my phone was to use the paypal application and click on make payments to get to Synchrony. Crazy.

So I kept receiving emails about applying for this card. When I applied for the card, I told I needed to call within 48 hrs to complete my application. To my surprised I am told I was approve for a $300, I was floored by this low limit. I have 700 credit score and I make over $70K. When I said I wanted to cancel the card, I was transferred to someone else. When I spoke to this person he stated I was approved for $100 limit and I can request a credit line increase. During the call I requested the increase and was immediately declined. Please do not waste your time with this bank. They are a joke, I have two credit card with limits over $20k and I am offered $330 then I told by the next guy it's $100 limit! I canceled the card immediately. Thanks PayPal for the hard inquiry!

I Started with Paypal about 5 years ago. Everything was wonderful. Started with a $500 credit limit. Used it, paid it in full. Received an $800 limit, paid $300 back then they locked me out my account with no legitimate reason.. Very terrible company.. I will never use again and will not recommend... Stay away if you want to be stress free... I was warned in the beginning and didn't listen. Now I'm really paying for it... Run in the opposite direction.. Run run run...

For months, after closing my PayPal credit account due to copious amounts of fraudulent charges, I have been trying to close my account. Not only will they not close my account but keep telling me there are pending payments 1 from 2 years ago which both are fraudulent. I can't get a human on the phone to discuss this and close my account. Since I am stuck to have PayPal forever, even though my bank account and credit account were closed out long ago, I am going to complain every chance I get and make sure I flood the www making sure no one makes the mistake of believing they are a good company.

I ordered a motorized floating and after almost two months I received a kid’s floaty. Tried to report to PayPal and did not get any support. The company Three Kingdoms Technology will only refund low partial cost. PayPal did nothing to secure transactions with this scam company.

Ordered Covid-19 masks = April 14, 2020. Moorehealth LLC = $ 139.47 via PayPal Credit. Called & texted company = closed. Transaction ID = **. Order # **. No tracking number. No buyer protection. Dan Schulman's letter to commitment to customers = urban myth April 18, 2020. 1st) attempt = denied April 18, 2020. Filed police (fraud report) = April 23, 2020 (internet crime complaint). 2nd) attempt = denied May 13, 2020. Referred to Synchrony Bank = June 17, 2020. 3rd) attempt = polite letter (provisional credit) for $ 139.47. Contacted: Consumer Affairs. Mentioned amended FCRA section 102 updated consumer rights. Today - August 10th (still under review). Poor management policy. Thanks for listening, Raymond.

I opened a case with PayPal (**) over a seller's item not arriving and the courier company telling me it had. Not my signature on the online record of handover, and I have nothing in my hands except a finance bill with PayPal credit for almost £700 to pay (a quality watch). This took more than 10 weeks. They did not keep me updated just kept bumping my case on a bi weekly basis.

I don't know where to start from. I want to make this very brief. I will try my best. PayPal Credit is the worst ever thing ever to leverage. I have used them and my account piled up to be $8000. It was impossible to pay off this large amount easily. I started making the minimum and little bit over as well but that didn't help at all. My minimum was around $220 and most of it goes towards the interest. They will trap you hard, they will make you suffer, no matter what you do, you are in trouble. The only way is to pay large chunks to pay that thing off as soon as possible.

The customer service for this huge company in nonexistent. Our account was blocked. They wanted inventory receipts, supplier and vendors invoices, etc. None of which our company has since we are a service organization with zero inventory and no suppliers or vendors. Tried finding a resolution online and nothing available. Tried calling and after going through all the prompts telling me to handle it online I get disconnected. Total waste of time. In this age of technology, and so many other ways to accept payments, as soon as I get the rest of our money from Paypal, we'll be cancelling our account.

On May 5 2020 I purchased a freezer chest online, I paid $99.49. I never received the item so I emailed the seller, The seller emailed me back 2 weeks later with a blank email. So I contacted PayPal to complain, they told me I had to wait 180 days to file a claim. The seller then sent me a tracking # which was fake because I called UPS with it and they told me that that tracking # was for an item that had already been delivered to someone in Fontana Ca. I called PayPal back 5 times, every time I call the person in India tells me that the tracking # is good and that the seller is legit. Im forced to pay for that charge otherwise my credit will take a big hit. I will probably pay for this and never use them again. It's unfortunate that PayPal is taking advantage of this during the Covid 19 pandemic.

Updated on 08/29/2020: So I order 2 items from a company and paid with Paypal, 138.00. And waited, and waited. So I opened a dispute with Paypal. One week later I received ONE of two items and PayPal closed the dispute. Was an ordeal to reopen for the missing item. They promised a resolution every week for over 2 months. Finally, they said the seller would not issue a partial refund and had to ship the item back to China to get a refund. Interesting, the item shipped to me initially from within the USA. So I checked, it would cost me about 200.00 to ship the rug back to China to get a refund of 138.00. Paypal thought this to be reasonable. (They offered to pay 30.00-but the math did not add up.)

As I have told their reps, their supervisors, managers and others at the company, EVERY TIME I speak with them the info they offer is different. One rep says a transaction IS covered by a promotion; the next one says it is not. One rep says a payment will automatically applied to the upcoming amount due; when it isn't done that way, the next agent says the customer has to call, otherwise the payment is applied in a way that maximizes the interest paid. The list of these situations goes on and on. I am paying this off in full, canceling transactions that I made because of promised promotions, and staying away from Synchrony FOREVER. They are simply NOT honest... and NO ONE THERE CARES AT ALL.

This review is to explain to whoever wants to sign up for PayPal credit long term. I’ve never had any issues with them but ever since I started making multiple purchases with PayPal Credit it was on the basis of an agreement to complete the payment of the item within a set time. Recently I made a purchase with no agreement but I was sure I could pay it off within the 4 month 0% interest period benefit they give you. To my surprise I went on their website to check if I could make monthly payments on that specific order but it turns out YOU CAN’T. They force you to pay for ALL of your previous ‘ongoing’ orders in full before you can pay for any recent ones that do not have an agreement which ends up in ‘Guess what?’ Forced interest on YOU the user.

I hopefully just ended my nightmare with Paypal. It was not quick and took hours of frustration. There were charges I did not make and they will not credit my account. Their investigation was incomplete and in error. I never got the UGGS ordered and never ordered them. After months of trying to get my money back I just paid my Paypal credit and Paypal Mastercard in full and closed both accounts for good. Beware there are several other reviews saying there were false charges on their Paypal accounts. Either the system is easy to hack or somebody in the company is crooked.

Honestly I'm shocked at the reviews on here.. I personally have only nice things to say about PayPal credit. They were the first to give me a chance. My credit score was bad. But they gave me a small credit line, $250. That was 2 years ago, my available credit with them is now $1300. I now have a credit score of 689tu, 712 Experian. So I'm climbing. I've never had any trouble with any payments. As soon as the bill comes in to my email I schedule a payment to come out. Also sometimes 2 payments a month to keep balance down.. Never had a problem. And only good things to say about them.

Merchant only shipped item late after canceling and notified Pay Pal. Pay pal bills my account immediately after order is placed, without shipping verification. My other credit cards hold in pending till item is shipped.

Do not use PayPal Credit. I used them a long time ago to make eBay purchases and had no problem with them. Recently I decided to use them again for some ebay purchases and everything went as planned until it was time to make a payment. You have to link a bank to make a payment, did that twice. 1st time everything went through fine but on their part something did not take. Second time same thing I still get "link bank". I have tried to call and make a payment and all I get is an automated voice telling me how much I owe and when the next payment is due (at this time my account is past due because I cant make a payment) but does not give you an option to make a payment in the automated menu.

I paid my account off and they won’t credit my account for 14 days. I was told this was because it was a large amount. I told them to cancel my account and they refused. Or has nothing to do with PayPal, it’s Synchrony bank. I.e. care credit who does the same thing.

Their site is very difficult to get a refund or dispute. You click contact and you go in circles trying to get to dispute. They do not verify if business is real or fraud. I purchased from a site Addictee and they’re frauds from China. They continue to allow these thieves to operate and make it difficult for you to contact them. Use your own credit card company like Visa Or Master Card and stay away from Pay Pal.

I wish I never accept the PayPal Credit offer when it was offered to me. Now, I am better off worse than when I took that offer. They granted me £2500 credit limit, I wasn't using the money to buy much online, so I decided to settle other Bills with about £800. Knowing that I still have lots of money in the account. After a year, I was still having £1500 unused money. Then I got message informing me that, PayPal has review your account and decided to reduce your credit limit to £1000.

On April 9, 2020 I ordered several products from a company called idealwiki. As of May 1, 2020 I still have not received my products. I've repeatedly reached out to PayPal because I received a email that said that my products were delivered BUT! They were not. I did not receive them. Can someone please help? The same thing happened in 2019 when I was in a Rehabilitation facility. I ordered products and never received what I ordered.

If you make your payment close to the due date they delay posting it then charge you a late fee, watch them, they use every trick to screw you. Make sure you make payments early so they can't use their tricks. You would be better off finding a honest credit co.

PayPal decreased my credit limit, thus adversely affecting my credit score. They took my credentials and ran them as if I had applied for new credit and decreased my balance on Information not reflecting my PayPal account!!! All during a PANDEMIC @!!

After 3 years of me being a fantastic customer to both PayPal and PayPal credit. I was sent an email wiping out 2 thirds of my credit limit literally overnight- to virtually nothing(after my balance)- despite me always paying the same day I was asked. Despite always paying more than was asked. Never a penalisation charge, or close to it. Never a discrepancy on my part. Never a foot wrong in anyway. I was always mindful to keep under a 25 per cent utilisation rate with them for 3 years as this can have an impact on your credit score.

This has been happening continuously since Synchrony took over PayPal credit accounts. I pay my whole balance off monthly via balance in PayPal account. Same as walking into a branch with cash. Now even when month after month of paying in full, this month using the same payment method, they only opened up $1400 of my paid in full credit line of $3520.

Been paying my smart connect account for over 1 year straight, Not even using the account. Every month I pay at least the minimum of $200.00 per month... And last I checked it was around $3200.00 in August, 2019. As I said monthly payments I make at minimum $200.00 a month. Some months $400.00, even $700.00, just to get the balance down, (I THOUGHT)! Well today April 22 2020, I decided to see how my account was doing? Thinking with my big monthly payments and almost 9 months have gone by of those payments. I was thinking I should be down to almost $0 of a balance by now...

We've been using PayPal for a long time and we had a problem with one transaction, and when we tried to call them they had very poor customer service, we tried to explain the situation but they did not do what they were supposed to. We are shocked on the lack of communication and service. Even after talking with the manager we're still waiting to get a logical explanation for their response to the situation. Our customer is now upset at me because of your employees' carelessness.

I purchased a pump for my hot tub through PayPal Credit because it seemed to work so well getting parts for business. The pump seemed like too good of a deal, but I had gotten equally amazing deals out of China before. I was counting on PayPal to protect me. The company strung me alone with tracking information. The product they actually sent me was a knock-off pair of Oakley sunglasses.

They lure you to accept special finance offers with the simple click of a button, it seems fine for a while, then they hit you with massive interest charges. I pay $70 a month toward the bill and two days later they charge $50 interest! How will I ever pay off my debt like that? How can they do this to people who clearly need help with money which is why they got the credit line in the first place. They are exploiting the most vulnerable. Shame on you PayPal Credit and Synchrony bank.

Paypal's website is the worst I've ever seen. It is impossible to chat with an actual person. I simply wanted to update my extremely old account, and it couldn't be done. They have an account update site that only allows you to update your address on an old card. There is no way to let them know that you have a new card. I wasted an hour trying to make a simple change, and they made it impossible. I will never do business with them again!

I can no longer trust Paypal to protect me. I purchased 2 pair of boots in 2 separate transactions from the same online merchant. I was sent 2 pairs of boots that were absolutely not what I ordered. I called PayPal and had a rep assistant me in filing a resolution. I was not told Paypal offers a program that will pay for return shipping. The Merchant offered a refund if I sent the boots back. It was totally wrong to make me pay return shipping when I was completely scammed. I paid $80 already for 2 pairs of boots I never received. I was unable to talk to anyone at PayPal because they are closed due to Coronavirus. I am affected by Corona virus too. I live in a City with a stay at home order and going to the post office to return boots is not an approved reason to get out. So now the deadline to return the boots has past and I'm out the $80 and PayPal let a scam company completely rip me off.

I overpaid on my PayPal credit so I had a little extra leverage for a major purchase. Instead of doing the right thing, and simply leaving my account alone, PayPal credit FROZE my account and I missed an excellent purchasing opportunity. Don't do business with PayPal. They lie, and lie and lie. And customer service with only ONE exception has been even less than worthless.

I am just writing this review because I had NO idea the lack of protection that Paypal offers for the seller. I am an avid EBAY seller and use Paypal for most everything online for the last 5 plus years. I recently discovered after EBAY sided with me - the seller, that Paypal almost always sides with the buyer even with the seller protection. Be careful people! Paypal does not always have your best interest! I had photo proof and written evidence of the authorized sale, and the buyer claimed it as an unauthorized sale so the BUYER won the case! How does that make you feel as a seller? Can I trust Paypal anymore? I am seriously considering closing my account with them and finding other payment methods that are more legit. Very disappointed with Paypal right now! Google this guys! It's happening a lot! (For sellers).

I had hard pull on on my credit in Dec 2019. I noticed it in Jan. Since then I have filed disputes. Called Pay-Pal credit three times to be lied to. First time no application. They said they send a letter to credit company, that was lie, second time they found one. A lot of information was wrong but I did not tell them what they flagged as Fraud. That was lie. No letter was sent. Still opening my disputes. Equifax you can't call them, only online. They really not good for anything and I prove it.

Paypal is extremely slow in putting payments through. They dont take the payment immediately. I made a payment on the 1st and 1 week later it still hasnt reflected. Sending money to paypal wallet is the same. Takes an eternity to clear. If I make a payment it's because I have the money to pay it immediately but no they choose to take the money out a week or more after which by then with running a household it may no longer be in my account to pay. Slow is an understatement.

PayPal Credit seemed like a great idea at first. I made a transaction through them to pay for some courses I planned on taking. This first part is my error - when I went to pay off the amount, I thought I'd set it up so that the balance was coming from my regular checking account, and instead it pulled the money from a smaller, rarely used account that didn't have the amount needed to cover the transaction. Cha-ching, $25 from my bank. Ok, I made a mistake, no problem.

I opened a new account in December and have found NOTHING BUT DECEPTIVE practices with this credit card through Synchrony Bank. First off they are holding my paid in full payment that was electronically transmitted from my checking account. This hold by Synchrony Bank is because it is a new account. Interestingly I've already made 2 prior payments that were not placed on hold. So this larger payment hold will place an interest fee on my account. I've talked to 4 different account reps and they all gave a different rationale as to this 3rd payment hold. DO NOT USE PAYPAL CREDIT CARD thinking it is part of PayPal. It is not. What they do may be legal, but it is exceptionally deceptive and you will find that there is no resolution through their employees.

PayPal “Bill Me Later” was a great program! Take up to 6 months to pay with no interest (and NO MONTHLY PAYMENTS required). You could (if you chose) to make 1 payment in full at 5 months, 29 days and not pay a dime of interest. But if you paid a day after your 6 months was up, you’d owe the full 6 months worth of interest (reasonable)! PayPal “sold out” to Synchrony Bank and it went downhill from there, i.e. I made a $200 purchase in Nov. 2019 to pay in 6 months with no interest. SIMILAR to what it was before, but now they required a minimum monthly payment (that’s reasonable).

I give Paypal Credit a one star because I can't give them zero! Worst service and bureaucratic organization to accomplish nothing in the greatest amount on time for the most ridiculous amount of credit.

In January 2020, my lender wanted to see a zero balance on my Paypal credit statement before approving my loan. I already paid this account off on December 1, 2019. I went to Paypal Credit account online to get my December 2019 statement but the last statement I saw was November 2019. I contacted a PayPal Credit agent. The agent told me that once I have a zero balance, there will be no statement generated. How stupid is this! I let the lender know about this issue. The lender told me I can do a screenshot of my Paypal account (showing that I have a zero balance) but the screenshot must have my name on it.

I have been with PayPal and PayPal Credit for several years. I have never missed a payment with them or anyone. I had a payment due Nov 21, 2019 which I made on Nov 10th. I made another payment on Nov 27 in the amount of $4000.00 for Dec. I received a email saying I missed my payment and they are charging me $28.00 late fee. I called in customer service on Dec 29th and was told, "We will credit the late fee back and post your $4000 payment. You will see it with 24-48 hours." I received another email Jan 2 saying payment past due. I called back and talked to a supervisor again and was told, "We will credit your late fee within 24-48 hours." I said, "What about my $4000 payment?" He said. "You made it too early and it posted the previous month." This is total B.S.! I am paying my account off and will never use PayPal again.

Made a special financing purchase with PayPal Credit on 10/26. Set up an auto-payment with fixed payment on 11/8. Auto-payment never deduct anything from my account so I missed the 12/2 due date and almost missed the 1/2 due date. Got charged with a $38 late fee and a hit on credit score. Called customer service to check out what happened and was told auto-payment can take more than 1 billing cycle to take effect... What the heck is that? In all banks I used in my life, auto payment takes effect right after the set up, and takes care the next billing cycle. This is just a scam.

Merchant refunded PayPal, showed up on my statement as a “refund” but WAS NOT DEDUCTED from the total balance. Says I still owe these mystery charges with interest!! No one will help me. I have written and called. I have faxed a letter itemizing charges on my bill compared to the balance owed which does not add up and now they are charging interest for refunded purchases. When I ask them to sit with me to recalculate over the phone they make the customer service reps with below average IQs can not understand what I am saying. I am told to wait 2-3 Billing cycles for correction “if applicable” while I am accruing interest. I am totally done with this account.

I am attempting to resolve a credit dispute by phone and every time I reach someone and tell them what I am attempting to do they hang up on me...effectively not allowing me to take care of credit dispute! And therefore I have no recourse! Wondering if anyone has a direct line to a decision maker at PayPal that can take care of this issue - I have seen many other posts online have same experiences!

Sometime in the last few months they changed my auto payment to stop paying the full balance. Then they let the balance go over the small limit and hit my credit score instead of just taking the payment from my PayPal balance or bank which had more than sufficient funds to cover it. Seems like nothing more than a scam, and I have no idea why they did this other than complete incompetence or an attempt to steal $. Attempts to contact support just get redirected to new phone #'s. Live chat sends me to paypal, then retrying them shows them no-longer available (with the great 24/7 availability message right above). I've had paypal accounts with 10x $ compared to the balance due for years and they've completely failed me. Highly recommend avoiding them and their incompetent scammy PayPal Credit system.

Funds are really tight this year but I wanted to do some Christmas shopping for the loved ones. I applied for PayPal Credit and got approved for a $1500 credit balance. I set PayPal Credit as my default payment method and started shopping. I made purchases on several websites. Some made me log in and choose a payment method and some that I have used before did not. On the ones that made me choose, I chose PayPal Credit. I assumed the websites that did not make me choose would use my default method, which is PayPal Credit. To my suprise I got an email from my bank today claiming insufficient funds. When I checked it my account is negtive $500. Only one purchase actually went through PayPal Credit.

This is the most worthless credit you could apply for! I was denied with a credit score of 807 because of risk of invalid identity. They never gave me a chance to provide proof of identity, just a denial and now a new inquiry on my credit for nothing. I tried contacting to resolve and they said their decision is final. So don’t waste your time applying, perfect credit and they’ll still deny you.

I have been a Paypal and Paypal Credit customer for years. Since Synchrony Bank took over PayPal credit I no longer feel that they are as honest, straightforward, and customer-oriented as the old PayPal was. Their billing practices feel predatory to me. From my perspective, it seems that the more confusing the billing is the easier it is to charge you high interest. I used to understand what my payments covered now everything appears haphazard. I have no control as to how the payments are applied and come up with very large surprise bills that will accrue interest. When I have called customer service rather than getting customer support I get defensive representatives whose goal appears to be showing you how right they are even if their billing practices are irregular and unpredictable. My love affair with PayPal credit is over, I no longer trust them.

After speaking with multiple customer care personnel over a six month membership period, Pal, its associates has on several occasions reconfigured my purchase balances and is not allocating my monthly payment as I request on six month or 24 month easy payments. The "system"? must have a mind of its own and seems to mysteriously pay off or move 24 month easy payment balances to 6 month purchases that had currently showed paid off and are now suddenly due, now that the end of the six month no interest time period has arrived. Issue sent into escalation mode, again, by Supervisor but advised it does not necessarily mean expedited. I hope the account specialist repair team request will not take one to two billing cycles as I was advised could happen.

The number of hours that I have wasted over the past year, calling PayPal Credit (Synchrony) to request a payment to be allocated like *I* want, is mind-boggling. The fact that they have to hand it over to some other team, which then takes "1 to 3 billing cycles" to properly allocate the payment is ludicrous. Are we living in the movie "Brazil," with messages in physical steam-punk capsules that are air-pressure transported to some mysterious 13.5th floor only to be archived there for further processing?

I don't understand why I would put a $60 charge and be asked to only put a bank account as a form of payment and my minimum amount due was $50. Like what the heck is that. I was so upset I will never charge another thing after this. I have $100 and they're charging me 52 so basically what is the point of credit if you have to pay half of what you charge at all times. That makes no sense. The whole point of credit is pay-what-you-can and unfortunately live outside your means but it gives you a long of time to pay. What you charge PayPal is not a good option. You may as well just pay out of your pocket cuz it's going to burn you in the end with the interest and fees. You've been warned.

It is bad enough that PAYPAL Credit moved our accounts to Synchrony Financial, but now that account is on our credit reports. Now I never agreed to do business with Synchrony Financial to begin with, but I was never informed that this account would be on my credit reports, when the original PAYPAL Credit was not. I have excellent credit but it definitely impacted my credit score. I will be paying the entire amount the end of January, then closing this account. PayPal has gone downhill in that last few years and I for one, am tired of these companies treated us like untenured servants. After PayPal credit is closed I will be taking most of my business elsewhere.

I tried linking my bank to Paypal Credit. My bank does not fulfill this service. But the return and notification of this situation came after my billing statement. I was charged $41 late fee on a $117 account! So I called to get my account number, after being unable to locate it on site. I needed it to set up a bill pay account with my bank. They would not give me my account number unless they could send me a security code on my phone.

Who in this universe would want a credit card with a $300 credit limit; maybe to give it to your 10 year old to avoid them from getting into trouble? Well that is their insane credit limit. Forget them!

I pay all my bills on time me, and rarely charge anything that I can’t pay off the next month. I made an exception for a Vitamix blender that I bought from the Vitamix website with 12-equal equal payments of $44. No interest if paid in 12 months. It sounded like a good deal. I paid an 85.00 bill by phone on 10/31 that was due on 11/13, and wrote down the confirmation number. Two days ago I got an email that my account was past due. The next day I got a voice mail from Synchrony Bank to call them about my bill. I tried to call the number on the voice mail, but it was no longer in service. The same number that had been left on my voice mail an hour before! As usual, I was unable to log into my Pay Pal Credit account. No statement was available, so I called.

I used Paypal a couple of days ago to make a fairly small purchase of $120 that I intentionally purchased by credit because I didn't want to use funds from my checking account. The transaction went through, but unbeknownst to me, Paypal had instead used my checking account without authorization, which I happened to notice the next day when I was looking at my Wells Fargo account online and noticed that the balance was not as it should be.

On November 1st, I attempted to make a $3000 payment to pay off what they call a "special financing" loan before the promotional time expired. I was warned that this appeared as a fraudulent charge (it was a payment not a charge) and to confirm my identity and try again later. I confirmed my identity and followed their prompts to resubmit the payment. Once again, I was told this appeared fraudulent (same message) and to follow the process to prove otherwise. Since I could see this was not working, I gave up for the day. I was still one month out from when the payment was due.

When I opened the account, they did not report to the credit bureau. This was important to me as I was in the process of buying a house. AS required, I paid the account over the phone in October. All was well, so I thought. The PayPal system had a glitch in October and reported that my payment was late. TO my surprise, the payment was reported to the credit bureau. What???? I called. They told me that they changed to another bank who reports to the credit agency. Well, that was fine, but why was it reported late. They apologized, credited me money, but it was still reported late. Of course, I have reported this to PayPal and the credit bureaus. My score dropped 20 points from one transaction, which was NOT my fault. I am being penalized for their system and not letting me know that the change in reporting to the credit bureau. I would have NEVER opened that account knowing they reported to the bureaus. This is a warning to others.s

I was a furloughed Govt worker in 2019 and PayPal offered no interest loans for us. This was a great thing so I was able to borrow a small amount. It was set up so that they would access my checking every month AUTOMATICALLY for the payment. SO, in October, they did not collect a payment, however I always check their website to see if the payment was made and it was paid according to the site. I also called the automatic phone system and it said they collected the usual monthly payment. I did not see it hit my checking account though. Turns out, they didnt collect it and charged me fees and retro interest. There was 2k in my checking so NO lack of funds. They did this ON PURPOSE to charge fees. This is a SCAM by PayPal and I will never believe one of their offers again. I will also tell the world via social media about their effort to scam their long time customers.

The PayPal Credit app on iPad is a mess. It was working fine at one time but the last few updates ruined everything. Not only can I NOT view my amount due but I can no longer make a payment through it either. This has led to me "being late" on my payment (technically, I wasn't late. I paid $70 through my bank but $90 was due). I called customer service to speak to them about their app and their response was to tell me I was having internet issues. After assuring them my internet connection is working fine, (I just used it to look up the phone number) the woman became very rude and started arguing with me about $20 dollars I owed them! Which I assured her I intended to pay.

1. I initiated a one time payment for PayPal Credit. I choose other option to enter an amount, but it chose pay the whole balance and I had no option to cancel or edited the payment using my cell phone. 2. I contacted PayPal to stop the payment because I know I don't have the whole amount in my bank. The agent told me that he couldn't. And asked me to wait for the payment to fail. 2. On Oct 15, it attempted to collect the funds from my bank account, so I got hit with NFS fee. But PayPal credit shows that I have paid in full.

I used PayPal for years and never had a problem. Starting in May of 2019, PayPal Credit got in the picture. I cannot pay off the amount needed for the past 4 months. I have the monies. Trying to pay it. Amount returned every time. Tried to contact the help desk. Nearly impossible to get through to a human. Referred to an incorrect number twice. Tried the online chat. So much time lapsed between feedback from the support person, session was cancelled twice.

PayPal credit is a JOKE. I applied for credit when buying my son's class ring. The credit was approved so I used it to purchase the ring. THEN I try to use the credit to make online purchase for Christmas with the special financing and it wont work. After MULTIPLE CALLS I didn't get anywhere. They say it's a security concern so paypal isn't allowing ANYTHING I try to purchase to go through. I ask her what she can do to fix it and she claims nothing and tells me she doesn't know when my account will no longer be flagged for security reasons. Hmm here's a clue. Don't approve someone a credit limit and then not allow them to use it. When the ring is paid off I'm done with paypal and will no longer deal with them. I have never dealt with another credit company that ABSOLUTELY DOESN'T HAVE IT TOGETHER.

I've had a PayPal account for so many years but finally closed it. I opened a PayPal credit account last holiday, as they had a promotion that if I charged over $200 in one day I could have 6 months to pay with no finance charges. What a mistake! I made payments as expected but when it came to month 2 I sent PayPal a note and asked them (via an online link to send a message to Customer Service) to please apply my payment to charges on the special promotion. Two days later I received a response which was obviously from a computer. The response did not even mention when my message requested and the entire message made no sense.

This company ripped me off! They stole $200 dollars from me. I tried for weeks to get the issue resolved and they are not willing to help. They have rude employees Gizelle who don't care and are cold to customers. If they have to rip off customers to pay their staff's salaries...God bless them!

Opened an account in July or August. Account was then closed due to what they said as it being a fraudulent account that I reported. That was false. I waited a month and a half to get that fixed only to find out I can't use the account now. I was never given a reason. I was told that's policy. They closed the account based on false info. They messed up but I pay for their mistake. DON'T WASTE YOUR TIME WITH THEM. THEY ARE WORTHLESS.

I applied for PayPal Credit and it all went through fine and it even worked on the first purchase. But from then on I could never use PayPal Credit for any purchase, whether it was on eBay or another site. I tried different items on each site and all it did was say "Your application can't be processed. We're sorry but you won't be able to use PayPal Credit for this purchase. Please choose another funding source". The customer service is a waste of time, they give you no reason why it doesn't work, and don't even seem bothered about the whole situation. My advice is that you NEVER apply for paypal credit, it is a complete waste of time and only works for one purchase.

Pan Huiling 1st Floor, Building 3, Jinyuan Square, No. 2 Taohong West Street, Junhe Street, Baiyun District, Guangzhou, Guangdong, China, 510000 TEL:+8613543483702 510000 CN. The package was shipped to me from: Dept #42, 13725 Pipeline AVE, Chino CA 91710.

I've been with Paypal for about a decade. I've never had a single security problem with my account or even ever opened a dispute, despite making purchases successfully using both my bank account and Paypal credit. Then, for some reason Paypal couldn't explain to me, my account was flagged for review. Just after the passing of KYC legislation. Immediately, all my account usage was shut down.

Have been with PayPal Credit for years until June when they sold to Synchrony Bank. August of this year our bank paid the account off but PayPal Credit didn't credit the account. Kept the money but now can't find it and will not talk to our bank. Will not tell us anything so we think there is just a convenient black hole account someone at PayPal Credit is using to steal customer money. Never ever deal with these people again. Filing complaints with state and federal authorities.

Received a notice in today's (snail) mail reminding us that we have a PayPal credit account and detailing the "promotional purchases" = no interest for six months offer. The notice cites the last 4 digits of our supposed account. We called to cancel such account. The young woman insisted that our name, address, telephone number and last 4 digits of the supposed account were not enough info for her to access the account to actually see if it existed so that it could be canceled. She also wanted our e-mail addy, which we refused to give her. Originally she said telephone number OR e-mail address. We finally gave up, and told her we would report the interaction with the banking authorities, which we plan to do.

Absolutely terrible, I applied for PayPal credit. I received it no issues at all, now I’ve been trying to use it. Everytime I go to use it, it never works. Always says Your application can’t be processed. I call up PayPal Credit they told me to link my Checking account then it should work immediately, I do so. I confirm the account with my checking account. Still can’t use, I then call PayPal again. They tell me it’s too much money to send to a seller they don’t know about. I said "Okay, can I buy it via eBay?" "Yes." I tried again nothing. I tried Buying numerous things just to confirm that it’s not working. Chia seeds, flax seeds, Nike shoes, tires, TPS, still doesn’t work at all.

Same issues as the ones depicted below. I never had issues with PayPal credit up until June of this year. Since then, my payments have consistently been rejected. PayPal credit was sending me notices that payments were being returned due to insufficient funds. After multiple conversations with PayPal credit and my bank, it was determined that I obviously had enough money in my account to cover the payments however PayPal credit was not able to process them somehow. I have spent hours upon hours begging these people to take my money. I have never had any issues with PayPal credit up until June of this year where my payments started being rejected. PayPal credit was sending me notices that payments were being returned due to insufficient funds.

I've been with Paypal for 7-8 years, never had an issue until this new scam of a company took over. I received a collection call from Paypal today informing me that I was 34 days late on my account. I made a large payment on 8/2/19 and was contacted on 9/8/19. I'm thinking I may be 5 days late, so no big deal. Why would they be contacting me for five days? The collection person informed me that I made the payment BEFORE they generated my August bill, so it didn't post on my account for that month. Ya. WTH.

So apparently PayPal sold and the last company was allocating my payments to promotion purchases instead of none promotional but still not charging me interest. Well now they want me to pay in full or they will start charging interest. Sounds like something illegal here and the consumer is being punished. I was actually told I was paying too much each month. Will never use PayPal credit now ever again and will tell everyone not to as well and why.

I have had a PayPal credit card for several years with the same linked bank account. One month ago, in July 2019, I signed up for auto draft because I made a 6 month deferred payment in June 2019. They called me in August 2019 telling me I didn't make a payment on my account. I never had issues prior and I was signed up for auto draft. I began speaking to their utterly rude rep on the people phone with zero common sense, who didn't even look on her computer to see I had auto draft. I explained to her I had auto draft and why wasn't it withdrawn from my already linked bank account? She proceeded to tell me it takes 2 months to verify a bank account for auto draft. Mind you I already had my account linked to this credit card for over 5 years.

I had my credit score hit 2 TIMES for nothing, but a punishment for closing an account with them prior (Bill Me Later) 7-8 YEARS AGO. No resolution could be made, I tried to enter thru another email, hoping I just needed new info, and AGAIN they hit my credit score. I was on hold over an hour, once 2 hours, more than once. No help provided, batted around from department to department. The phone rep was also rude and cut me off while I was speaking, telling me to "let her finish". I wrote them a long letter explaining everything (they even had the nerve to give me a survey which asked question after question, took way too long, and I doubt they even bothered to read).

They charged my Chase account to where I have 400$ In overdraft. Called numerous times, service people have no knowledge, bad accent. And when I asked for a manager he more or less said it he couldn't help.

Recently I made an online purchase from Home Depot & specified deferred payment (Bill me Later, PayPal Credit) as the method of payment. I received both a confirmation from Home Depot & PayPal, which authorized payment. Two days later I found that the amount of the purchase had been taken out of my Checking Account! NO NOTIFICATION AT ALL! I immediately called PayPal who told me to call Home Depot. No problems on their end, no blocks, no problems. Upon further checking, I found that the same occurrence had happened in July with a purchase from The Home Depot.

I have been making automatic monthly payments on my PayPal Credit balance for the last few years. Suddenly I am receiving notifications from PayPal Credit and Synchrony Bank telling me that I am delinquent because they attempted to make my auto payment and or unable to collect the funds due to insufficient funds in my bank account, or a problem with the bank account. They couldn't tell me exactly what the problem was. I checked with my bank and nothing about the bank account has changed from all of the months that my payment has gone through, and at no time have I had insufficient funds in my account to cover it was draw by PayPal credit / Synchrony Bank.