PayPal Prepaid Mastercard Reviews

Do not sign up for the PayPal Mastercard! They are a scam! I signed up under a promotion to get a $40 credit towards my first purchase, I made my first purchase and did not receive the credit. After calling, now the 3rd time, and being transferred back and forth between departments and the same exact people (who do not speak English and you cannot understand) I was told today I already received the credit on the 10th when I applied (my first purchase was not made until the 17th and it wasn't applied). I explained this then was transferred again to someone who said the $40 would apply after a few billing periods. 2 days ago I was told it would be applied in 24 hours and it was not. They lie to get you off the phone. The card is a PayPal Mastercard by Synchrony (I had the same issue receiving my sign up promotion with my Sams Club Synchrony Mastercard as well). PayPal chat also has done nothing to help me.

PayPal MasterCard holds on to your payment for entirely too long after you make it. Last month I paid my payment on time and it was held for two weeks and I was charged late fee penalties. When you call customer service it's hard to understand them and they talk in circles.

This credit debit or whatever heck it is prepaid PayPal Mastercard is an absolute scam. There’s no one to talk to ever. There’s zero customer service. Every time you ask a question it’s just a standard robot response. Good luck getting your money back if you have fraudulent activities. My card was hacked by a Chinese website and purchased goods. I can’t even order Chinese food. I’m so unChinese. Of course the scam is I got $160 in fraudulent charges that it took me three weeks to claim because I had to keep going to different departments. Once the claim was accepted they don’t automatically issue a credit. You get a email a few days after their plane that tells you the mail in writing to a PO Box in Texas which if it was done properly would take three weeks to get there and to be processed.

Please do not get this card, they make you pay for fraud and phishing on your card and also today they shut down my card while using it because the card was declining and I use it to pay my phone bill, so I had to take the 300$ that withdraw to pay my bill, because it was declining, and they shut down my card saying it "I shouldn't withdraw the money", I had to because the card is declining, to pay my bills on time .. So now I'm 2,000 in debt because of PayPal shutting my card, and I can't pay back with no credit availability...I'm laid off. NEVER, I will shout out to the whole world not to.

Worst experience I’ve had with a financial product. The only thing PayPal Prepaid seems to do efficiently is charge fees. Customer support is a nightmare—trying to get help turns into an endless loop of automated responses and dead ends. Simple issues take far too long to resolve, if they get resolved at all. I would not recommend this card to anyone who values their time or sanity.

PayPal is just as bad as the people that steal your money. They allow fraudulent activities to go in your account and then they allow the fraudulent person who put the transaction on your account to give them rights to your money.

I found out after I was finished that they secretly charged my account $48. In the beginning they said it would be $5 and I would get that back. I did not agree to pay $48 for some stupid advice I could have figured out myself if I had the time. I will never use them again. I guarantee you that.

ANYTHING IS BETTER THAN PAYPAL. I bought a PayPal prepaid card from Walgreens and never got to use my money, the process of setting up an account and then saying your information is wrong is ridiculous so DON'T BUY A CARD FROM PAYPAL.

For nearly 2 months hackers tried to get into my account. They were able to change my address, phone and email. Each time PayPal would "fix" my account the thieves would get in again. They ordered cards which I was charged $25 3 times and I am still waiting for refund. They say they sent me new cards to replace the cards that THEY cancelled out because they weren't sure if they were stolen or not. After several attempts, the thieves stole $595 from my account. Disputes filed. Took two weeks to get my money back. But case is not closed. They still have to investigate. OBVIOUS CASE OF IDENTITY THEFT!!!

I would give 0 stars if I could. This place isn’t even PayPal they are just affiliated so they are using the name and giving it a horrible one at that. I grabbed one of these cards to do online shopping while I waited for my actual PayPal card to come in. Transactions failed so I called and they said I needed all this verification like photo ID and a proof of utility bill!? It’s a prepaid card I put my own money on!!

I filed a dispute and they denied my dispute, they told me that it was normal usage. The prob is that I'm in Miami and these charges were done in Honduras and I live in Miami. I don't have access to the online account from the day after I did the dispute. I asked at least 50 times to close the account, they refused to close the account, they are forcing me to have this account. I don't want this account. Don't anyone get this card, they rip people off, they know that dispute was fraud, they just don't want to lose money. Don't use this card or service.

If I could rate zero stars I would. Bought a prepaid PayPal debit card to pay a utility bill that won’t take cash. Tried to activate it but was told I was “high risk” due to having an old PayPal account with my maiden name. Identity verification issues I guess. Due to this they said I was ineligible to have a card with them. It’s literally just a prepaid debit card? I’m going to throw it away when I’m done. What do you mean?

I have been a longtime Paypal user now, as well as Synchrony Bank account holder. I decided to open a Paypal Mastercard held by Synchrony. I used it for several large purchases, and then made a payment from my bank account I have held for at least 20 years, and paid all of my Synchrony cards from. I paid $5,000 to be able to utilize my credit line for a large work purchase by today, as it has been three business days since they have received and verified they have the funds from me. They will not apply my $5,000 to my credit line, or temporarily increase my credit line the $3,200 I need to make the equipment purchase this morning. I even asked if they could just increase my credit line by that amount when I always have great-excellent credit, which they would not.

I put money on this card Friday. I've been trying to activate a "prepaid" card. But I have to send documents on to prove who I am. Never heard of a thing. Well it's now Sunday morning documents have been sent in and my card still isn't activated. THE WORST.

Well I'm deaf and I've been pushing buttons for like 14 to 16 hours in the last 48 hours probably less and still don't get nowhere. I've been told to call the number they gave me. I can't call. I'm deaf.

The absolute most incompetent, ignorant people that I have ever worked with, do not trust these people with your money! This company charges a ton in fees. I have bought this company many times, failing to release pre authorization money back into my account, when they were not used. Refunded money sent from a merchant is not put back into my account but deducted again by PayPal prepaid instead of being added it to my account, this has happened numerous times and they say it has to be deducted again. To be refunded, and other nonsense excuses. I have called because my password would not work and my account is locked even though I am 100 percent sure of the password and PayPal prepaid asked me security questions to verify my account that were not my security questions.

I have had this card for about 2 months now. I mostly use it for online purchases. So far no problems. I don't understand all the negative reviews. It's easy to use and the $5 monthly maintenance fee isn't much. Out of all the prepaid cards I've had in the past, this is best one. I did have to call customer service once but that was due to a misunderstanding on PayPal itself not the card. I might add more to this review later.

Every month at least once sometimes 2 to 3 times they lock my card with no notice. I find out when I go to pay after standing in line for 15 min. Then I have to call and speak to someone that barely speaks English and doesn't listen or understand. And the worst part they usually lock it after I make a purchase on a normal monthly transaction to an account in my name saying it's suspicious. And they won't stop locking my account I've asked repeatedly. Do not get this card unless you don't mind NOT having access to your money when you need it.

I used them as a direct deposit for my first check from a new job. I had legal fees to pay ON PAYDAY. They demanded "documents" oh yeah the kind that proves who you are. My account was locked after I sent the magic papers they demanded. Three days and SIX different documents they said they would accept. And nothing. DO NOT USE THIS SERVICE.

1st call I waited approximately 10 minutes only to get hung up on. 2nd call took approximately 10 minutes for anyone to answer, and after I explained what I wanted, was told to hold while they checked on my request, and then after holding there I was switched over to the original holding station, where I listened to this lying automation for about 30 minutes, and so I finally just hung up. I'll just throw the card in the trash, cause that's part of what's wrong with the world today. Anyway, supporting slothful liars. I really don't need it myself.

The customer service is ABYSMAL!! After wrestling with AI phone robots trying to get to a HUMAN BEING who could address my issue, I finally decided to CLOSE my cash back mastercard. Of course they decided to close my paypal credit along with it. They reported this to credit agencies as a "reduced credit limit" which was the balances at the time I closed my accounts. STAY AWAY from PayPal....is my advice. You can NOT get an American on the phone if you are lucky enough to beat the phone robot down! Screw AI customer service!

This company should be shut down. They are attempting to collect a lot of personal information that most prepaid cards do not ask for. Such as a copy of your driver's license, a pay stub, or SS card and a utility bill. Definitely not worth it! And I see many reports of fraudulent behavior by this company. How many reviews do we have to write before this company is investigated?

Card was nothing but a nightmare. Stuck out of town in need of emergency money. They refused to allow the transaction and flagged my card after multiple verification processes that was successful and after talking with management they closed my accounts without my consent. Lol. Oh I had to sleep in my truck in by the way. Not a company you can trust!

For two years or more Paypal & its customer service has ignored all my complaints & requests for resolution for unauthorized charges on my Paypal prepaid business card. Now they've allowed it again while reporting the card is monitored for my protection. BS! They overdrew my (PREPAID) card which SHOULD NEVER allow a charge to process while the balance is zero. Now that they've allowed it, They will not resolve the issue & claim I can NOT close the account until I pay the UNAUTHORIZED charge! Bunch of fraudulent CRIMINALS!

Just got this card at a local Kroger, and added $145 to it. I tried registering it online and it tells me it can't verify who I am, so I called the number the website gave me. Same thing...they can't verify who I am.... How do they know if I am or am not the person who bought the card? Then they said I could send them a copy of my driver's license and a pay stub, or my SS card and a utility bill. The other option is to give me limited, in store use...no online purchases, which is the main reason I got the card to begin with. The last option was to close the account and have them send me a check. So, let me get this straight....they can't verify who I am, but they're willing to mail me the money. That's absolutely ridiculous! So I told them to close the account and send me the money...which I seriously doubt I will ever see. TOTAL RIP OFF AND A SCAM!

Terrible customer service. I had funds stolen and disputed it for 60$ only to be told I'm lying, they can't find my acct blah, blah, blah. I've had this acct for yrs, no reason they shouldn't be able to find my acct unless it was hacked. They said it wasn't. So how can't they find it then? I sent over everything they asked me & followed all the directions of the emails. To be called a liar. I will never, ever be a customer or recommend this business again. Keep the 60$ if it meant not having to deal with your poor customer service skills. Flat out F.

Fraudulent issues with my accounts and Paypal refused to assist me in a dispute for loss of funds of approximately $4000. I have all the proof to verify my complaint; over a 3-day period money was taken from my associate's banks accounts and credit card; my personal PC was remotely locked and I had to get it professionally restored. I have names and phone numbers of the people I talked to with statements from the banks and they basically told me I was not speaking the truth.

Big time scamming! The PayPal cashback MasterCard had a joining reward program of $100, which was truly a scam. I was told by the customer care and the in app spec. showed $100 joining reward. At the end, they cheated me saying that there was no such reward which made me cancel the card. Disappointed big time because of the paypal scam.

Called to see what the status was on my dispute that I was supposed to be getting returned back to me 3 months ago, got put on hold then hung up on after 45 minutes of being on hold. Then I called back, ask for a manager, they instantly hang up on me when I asked for a manager. Call back again, ask for another manager through a different person, hang up on me again and now I've resorted to this just for asking for a manager. You can't get a hold of any supervisors or anybody that speaks American languages. Worst customer service. They should all be fired

A few months ago I bought a PayPal prepaid credit card. The app worked for a while. Now I can't get into the account at all whether it's with the app or online with my computer. There's still money left in my account but I can't get to it. Nothing works. I can't even see what I have left. So I'm done with PayPal, I refuse to add any more to this credit card. Yes I'm going to lose some money but what's the sense of having a prepaid credit card when you can't even get into your account. So I read the reviews on the app and I'm not the only one having the problem and NetSpend who's working with PayPal just keeps coming up with excuses and that a fix coming out. But this has been going on for over a month now so this is just a joke.

I got a prepaid card cuz all of my things were stolen while I was relocating across the country. I registered the card to my old address cuz I didn't know my new. They allowed the card to be used then locked the it after. They said send proof of address, I couldn't. Why didn't they ask who used it for proof? I'm still trying to resolve this. It's been 9 months.

If I could give no stars I would. I wanted to speak a supervisor and I was hung up on by 5 representatives. I've been on the phone for 4 hours trying to resolve an issue and I still need to call back tomorrow.

I have used the guys for a very long time. Worst company ever. I want to switch banks, but I can't change my direct deposit. Very frustrating to say the least. However, I would highly suggest not to use this company. It isn't even really truly associated with PayPal.

I have had this card for about 3 months now, my tax return was deposited on it and I deposit cash daily because I have a small business. No problems at all, being a small business owner this card is very handy for daily deposits and no line waiting like at banks.

I have had nothing but struggles with this entity from the start. First, they sit on your money when it goes into the account. I have had to file multiple disputes when refunds or deposits have been issued taking upwards of 60 days to have access to those funds. Still have one pending even though I closed the account. Very slow response times to message service. Unable to communicate effectively over phone due to language barriers. State they do direct deposit but it has never worked for me. Applied for a replacement card a month ago and still haven't received it so I closed the account. Horrible experience. Do not do it.