PayPal Reviews

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  • Strong security measures
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  • Funds held for extended periods
  • High fees for transactions

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PayPal Reviews

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    Staff

    Reviewed Aug. 13, 2026

    First off if a company is not doing right business they should not receive any stars. STOP trying to appease and let the truth rule out.. PayPal is running buck wild with other people's money that we have earned.. And the little piddlings that they hand out doesn't match what they steal from consumers.. It's considered Fraud or embezzlement... And they don't transfer any funds before you've received those tiny deposits to confirm your bank account. And that is the case with me.. Thank goodness it wasn't a large amount. The only thing they have going is their size and the underpaid foreign staff handling all the grunt work.. I'm DONE with their crap... Peace out.

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    Refunds & Payouts

    Reviewed Aug. 13, 2026

    I've been using PayPal for close to 10 years now. I get denied refund because seller proves to PayPal that we received the item. It always happens with the same tracking companies it seems. 17? Couple others. PayPal doesn't show me the proof. I use to tell everybody PayPal is the best because they back up the buyers. I'm not a liar or a cheat. I've had more than one seller not sending me my items Irrigation system, Projector for kids room. PROOF OF MY DELIVERIES. I could send photos of EMPTY space I didn't get what I ordered. What really sucks is PAYPAL is letting the overseas buddies cheat us.

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      Customer ServicePriceRefunds & PayoutsStaffBillingTimelinessHonesty & Transparency

      Reviewed Aug. 10, 2026

      I recently found two fraudulent charges on my PayPal account. The charges are $39 and $288 from a company called MEMOWRITE but the charge in PayPal is listed as Innodiets. I filed fraudulent charges with PayPal. Within hours I receive a denial from PayPal saying there was no evidence the charges are fraudulent. I called PayPal and the rep said he was resubmitting it as Item not received. He said although these are fraudulent charges, refiling as item not received is a work around they have found to get it refunded. He also informed me the $39 charge is for a monthly subscription and he was canceling it. Today I received another PayPal denial "there is no evidence the item was misrepresented." Now I have filed a fraudulent charges claim with my credit card company. As soon as this is resolved, my 26 year history with PayPal is OVER!!!!

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      Reviewed Aug. 10, 2026

      PayPal sent an old address. 4th time they have done this. Tried opening a case against paypal and they said was my fault or shippers fault neither of which is true. The blame falls firmly on their shoulders and in trying to contact them you have to work your way through their AI system only to get a condescending member of society. Fix your systems Paypal.

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      Customer ServiceSales & MarketingPriceRefunds & PayoutsStaffHonesty & Transparency

      Reviewed Aug. 7, 2026

      PREDATORY INSTITUTIONAL FRAUD: PayPal Betrayed My 7-Year Loyalty and Hijacked My Personal Funds After I Spent Hundreds of Thousands of Dollars on Their Platform! While every person ultimately decides what they choose to do with their own finances, I am sharing my direct, harrowing experience to warn this community about the reality of dealing with PayPal, Inc. Do not trust this company with a single penny of your money.

      Based on my real-world interaction, this platform is a thoroughly dishonest and untrustworthy organization that operates a calculating, predatory bait-and-switch scheme designed to intercept private consumer capital, bleed accounts with unearned commercial fees, and unlawfully convert assets. They operate on pure corporate arrogance, completely disregarding user loyalty, identity theft protections, and federal banking laws. To be absolutely clear: I am NO LONGER a PayPal user. I genuinely used to like this platform, which is the exact reason I kept my account active for over seven (7) consecutive years, processing hundreds of thousands of dollars in purchases through their ecosystem.

      I directly contributed to PayPal's corporate success for nearly a decade. To experience this shocking corporate misconduct and be victim-blamed after showing that level of loyalty is a complete betrayal. I will never, ever use PayPal again under any circumstances. This public warning is written strictly to share my experience, expose their dishonest practices, reclaim my stolen personal property, and permanently sever all ties. [1]

      1. The Premeditated Gateway Lie Exposed

      Just one week prior to this financial disaster, I contacted PayPal support to verify my status, and their representative gave me absolute verbal assurances that my 7-year-old account was in perfect, unrestricted standing. Shortly thereafter, an isolated manual PayPal back-office team abruptly stepped in, completely ignored my extensive clean transaction history, and unilaterally locked my profile. They issued an official written notice stating that core transactional features—specifically the ability to "Receive money"—were restricted and unavailable. This is where PayPal exposed themselves as absolute liars.

      If a financial platform explicitly states an account can no longer receive activity, standard electronic banking protocols mandate that the inbound gateway must automatically block and bounce any incoming transfer back to the sender at no cost. If PayPal had actually enforced the restriction they claimed was active, the transaction would have failed at the gate. The online seller—whom I had spent two intense days communicating with, forcing her to return my money under a formal notice of legal action for failing to fulfill an order from January—would have used an alternative network like Zelle to instantly return my money directly to my bank.

      Instead, PayPal ran a deceptive, self-enriching trap. On July 28, 2026, when the merchant processed the $997.00 refund of my personal funds (Transaction ID: **), PayPal deliberately left the gate open. They actively intercepted my hard-fought personal funds, instantly skimmed a $29.00 commercial processing fee off a transaction they officially claimed I couldn't receive, and then instantly slammed a 180-day freeze on the remaining $968.00 balance. This is a thoroughly corrupt business practice: lying to a consumer that an account cannot receive money, yet quietly pocketing a fee from an incoming transfer before trapping the underlying asset away from its owner.

      2. Fabricated Accusations and Punishing a Victim of Identity Theft

      To justify this illegal hijacking of my personal funds, PayPal hit my account with a completely fabricated claim alleging that my profile is "linked to another account." This is a deceptive corporate lie. I am a documented victim of identity theft. If another profile exists with my information, it is a completely fraudulent, unauthorized account created by criminals without my knowledge or consent.

      Instead of protecting a victim of identity theft, PayPal’s back-office team weaponized it to freeze my legitimate, independent, 7-year-old profile. Furthermore, this money is an undisputed return of consumer capital from an original purchase executed back in January 2026. The dashboard explicitly logs the order status as "Returned." Because the original transaction settled over half a year ago, the risk window for buyer chargebacks or merchant fraud has completely closed. PayPal has zero algorithmic or risk-based justification to hold this balance.

      By operating this predatory fee-extraction trap, PayPal is in direct violation of multiple statutes:
      12 U.S.C. § 5536(a)(1)(B) [CFPA Unfair & Deceptive Acts]: Engaging in an asymmetrical operational framework designed to extract fees while stripping the consumer of the underlying service [CFPB].
      15 U.S.C. § 1681g / FCRA & Facta Guidelines: Failing to properly investigate identity theft flags and penalizing the actual consumer for fraudulent third-party data [CFPB].
      15 U.S.C. § 1693h [Electronic Fund Transfer Act]: Strict financial institution liability for failing to execute and make timely consumer electronic fund transfers [CFPB].

      Massachusetts G.L. c. 93A: Executing unfair, deceptive, and predatory trade practices against a resident of the Commonwealth [CFPB].

      3. Back-Office Misconduct and Corporate Arrogance

      When I escalated this matter over the phone, the abuse became explicit. I spoke to a PayPal supervisor and repeatedly demanded a lawful justification or physical proof to back up this false "linked account" accusation. The supervisor explicitly admitted on a recorded line that frontline staff has no proof, stating the decision was made by an insulated, uncontactable "back-office team" that consumers are completely barred from communicating with.

      When I explained that this was a hard-fought refund of my own personal funds and that PayPal's hold was actively driving my primary bank account into a compounding $877.00 overdraft crisis at US Bank, the supervisor weaponized corporate arrogance. I was told flatly that a release was "not going to happen" and that "there is nothing you can do about it."

      4. Active Enforcement Following 48-Hour Expiration

      PayPal's untrustworthy back-office team operates under the false assumption that their internal policies own the law and that consumers are completely powerless. They are wrong. I formally served their executive compliance offices with a 48-hour Notice of Dispute, which officially expired with total corporate silence.

      Because they chose to ignore my legal warning, I am taking maximum legal action. Active, official regulatory investigations are now open under:
      Consumer Financial Protection Bureau (CFPB Case ID: **) [CFPB]
      California Department of Financial Protection and Innovation (DFPI Complaint No: **)

      Massachusetts Division of Banks (MDOB License Enforcement Division) [CFPB]

      Furthermore, because their 48-hour pre-litigation window has failed, I am moving this case directly into Forced Consumer Arbitration via JAMS. I am demanding full actual, consequential, and statutory triple damages for willful conversion under M.G.L. c. 93A [CFPB]. PayPal's legal department will now be contractually forced to answer for this back-office misconduct and absorb thousands in arbitration invoices. Avoid this predatory company at all costs.

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      Customer ServiceStaff

      Reviewed Aug. 5, 2026

      I won't even want to give One Star if I could. I had credit of $112.02 in my account and I haven't used my account for three years. When I logged into my account recently, I found out that Paypal took all available money that I left in my account. A female rep told me that they emailed me a notice saying that if I don't access the account in three months, they will send the money to state treasurer. For over 25 years of being a Paypal customer, I never aware of this policy. Also, why Paypal never mail me a written letter to let me know my account credit will be taken if I don't access to it. I will never use Paypal again in my life as their customer service was terrible!!!!

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      Customer ServicePriceRefunds & PayoutsStaff

      Reviewed Aug. 4, 2026

      Horrible company, horrible service. First - if you have outstanding credit with them , they make it impossible to pay it off unless you pay it lump sum. They tweak their APR to trap you into ending pay pay pay. Second - customer service sucks. I was being charged by the merchant out of the blue for the account I had nothing to do with. I provided proof, and they sided with the merchant! Just giving money away to keep you in the endless loop of paying for internet, which is as high as 30 percent!!

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      Customer ServiceContract & TermsTechPunctuality & SpeedRefunds & PayoutsStaffBilling

      Reviewed Aug. 2, 2026

      I am extremely disappointed by PayPal's handling of this matter. Yesterday, my partner, Candy, authorized a transfer of approximately **$25** from her PNC Bank account to her PayPal account. Instead of processing the amount she authorized, PayPal transferred **$75**. Today, the exact same issue occurred again. She authorized a transfer of $10, yet $50 was transferred. I was physically present during both transactions from beginning to end. I personally witnessed the amounts that were entered, confirmed, and authorized. The amounts that were actually transferred did not match the amounts that were approved.

      We immediately contacted PayPal to report these discrepancies. Instead of taking the complaint seriously, reviewing the transaction history, or conducting a meaningful investigation, your representative immediately blamed the customer without examining the facts. That is completely unacceptable for a company that provides financial services.

      PayPal's own User Agreement and policies state that the company is committed to protecting customers, investigating disputed transactions, and maintaining secure and accurate payment services. A financial institution has a responsibility to investigate reports of disputed or potentially unauthorized electronic transfers instead of dismissing customers without a proper review. Because of these incorrect transfers, we were forced to move money back and pay additional transfer fees for transactions that we did not intend to make. Customers should never have to spend additional money correcting errors they believe were caused by the payment provider.

      From our perspective, these transactions exceeded the amounts that were authorized. We expect PayPal to thoroughly review the transaction logs, determine exactly why the transferred amounts differed from the authorized amounts, and reimburse any fees or losses resulting from these disputed transactions. Your refusal to properly investigate this matter has completely destroyed our confidence in PayPal. A company that asks millions of people to trust it with their money cannot simply dismiss reports of disputed transactions without conducting a serious review.

      If this matter is not resolved promptly and fairly, we will permanently close our PayPal accounts. We will also consider filing formal complaints with the appropriate regulatory and consumer protection agencies, including the Consumer Financial Protection Bureau (CFPB), and any other authority with jurisdiction over electronic fund transfer disputes. Trust is the foundation of every financial institution. When customers authorize one amount and another amount is transferred, they deserve a thorough investigation—not automatic blame. We expect a written response, a complete investigation, and an appropriate resolution.

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      Refunds & PayoutsStaffBilling

      Reviewed Aug. 1, 2026

      Absolutely INSANE to see SO MUCH dissatisfaction across EVERY review platform about PayPal, and it seems like they couldn't care less. I'm just as annoyed with them as I am with all the people who do not boycott their service. I will make it a point to NEVER use this platform again. So.... A client of mine made a transfer to my account. First transfer I ever had on this account btw. PayPal thought it was a great idea to suspend my account (probably because I'm currently out of my home country.... Is it not PRECISELY the role of an online payment platform to handle transfers across borders smoothly????)

      As if that wasn't enough of a bad surprise.... They dared tell me with a straight face... that the money had been transferred nonetheless. Meaning that I cannot access it... And my client has to claim the money back if they want to ever see it again. Or what????? PayPal keeps it???? Absolute theft, UNACCEPTABLE SERVICE. I've never seen such peak INCOMPETENCE. I'm going to make it my absolute mission to deter as many people as possible from ever using this platform. I don't care how "convenient" it can be. There are so many options these days anyway. They should be boycotted by literally everyone. They only have as much power as they're being given.

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      Customer ServiceRefunds & PayoutsStaffBilling

      Reviewed July 31, 2026

      Absolutely horrible!! I had a recurring payment on a service I only agreed to use once. Despite me contacting them, Pay Pal kept refunding me than paying the merchant again and again. After I had canceled the service. Then put the onus on me to give them more and more information. I attempted to cancel my account SIX months at least after the issue and they still had to 'escalate it to their back office' and asked me to keep checking my email. On top of that, they sent me a credit cared I never wanted nor asked for. I canceled it last September 2025, It is now August 2026 and I found an email in my junk folder that it was still active! IDK where this company went wrong. I used them for years and years confidently. I am a nurse so please trust I am not in the business of a 'revenge' review. DO NOT USE THEM. If I can save anyone from going through an exhausting, unnecessary experience as I have, I will.

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      Customer ServicePriceStaff

      Reviewed July 31, 2026

      On July 13, 2026 I opened an invitation in my gmail account from my sister that turned out to be phishing. The one resulting problem I encountered was significant – my PayPal account was compromised and someone ordered thousands of dollars of cell phones from a store and charged my bank account. Unfortunately, my first call was to PayPal. I had assumed that as a technology company PayPal would provide great support for its platform. I had no idea how mistaken I would be. PayPal would not hold or stop the transactions and someone in another state received the telephones. Within several weeks, not only had PayPal taken an unacceptable amount of time to review the transactions, they would not say that the transactions were fraudulent.

      Fortunately, I learned that my bank was, in contrast, genuinely helpful and immediately responsive. They should have been my first call! They told me that the problem was a compromise to my PayPal account, and that my bank account was not compromised. During this process, I removed my bank account and all my cards from PayPal. For an unexplained reason (and I'm still not sure how they got access), after a couple of weeks PayPal deposited money in my bank account. Then they immediately wanted it back and began sending me debt collection emails. I was forced to reconnect a debit card to PayPal in order to return the money. That was extremely disconcerting, considering how deeply I now distrust their services.

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      Customer ServiceStaff

      Reviewed July 30, 2026

      Horrible. My account was permanently discontinued due to problems with the account. I have called, written, at least 3 times. Once talked to someone in CS who promised to get back to me but never did. I still have NO IDEA what the problem is. What a NIGHTMARE THIS COMPANY IS. Absolutely horrible & non-responsive to my legitimate customer needs.

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      Customer Service

      Reviewed July 28, 2026

      I recently tried to re-activate my PayPal account - Hadn't used it in several years but decided I might use it again. I found my account PERMANENTLY DISABLED. Their chatbot told me to close the account, then re-open it. Tried to close it, told I'm not allowed to even close the stupid thing! Talked to a live person who merely restated I can't use the account and I can't close the account. Apparently because it had been dormant. Great way to do business...

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      Customer ServiceTechPunctuality & SpeedBillingRates

      Reviewed July 28, 2026

      I can't say enough negative things about Paypal. I was living abroad in Portugal and was directed to the Paypal site to pay a shipping company for a move back to the United States. The vendor was paid "twice" in Euros which was the appropriate currency but clearly an error in making a double payment. Apparently, they can make an "advance" without the consumer's knowledge or in association with any of my credit or debit cards. I was unaware of this advance, which was equal to the payment I made, several months later I received notification that I had a debit balance in dollars due to the second payment.

      The problem, other than an advance payment I wasn't aware of, was that the exchange rate Paypal used was higher than the euro/dollar exchange rate had been in years. When I brought this to their attention and attempted to pay them back the exact amount of the bill in euros they refused to accept the correct amount due. After multiple phone calls to the department that handles claims, exchange rate issues, and collections I finally gave up and paid them more than $1,000 than they were due to keep my account from being reported to the credit bureaus. Paypal is poorly managed, with horrible customer service, and doesn't provide customers with an avenue to bring justifiable issues that are mistakes on their part. This is a horrible company that I will never utilize again.

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      Customer ServiceCoveragePriceBilling

      Reviewed July 27, 2026

      WARNING - DO NOT USE PAYPAL - PayPal allowed a company to steal money from me. After a charge came through (from a company I had done business with) that was not authorized, I contacted that company and didn't receive a response to I contacted PayPal. I never expected they would allow this theft. After my dispute was moved around to different departments, I finally received notice the dispute was denied, and I need to WRITE A LETTER to request documentation for the reason they denied the dispute. (Ridiculous - but it's part of the cover-up, PayPal can say they didn't receive the letter, or whatever documentation they have - which is nothing - was lost when they mailed it back to me.) This is theft, and PayPal will do nothing about it. WARNING - USE OTHER FORMS OF PAYMENT. YOU HAVE NO RECOURSE WHEN A FRAUDULENT CHARGE SHOWS UP.

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      PriceBilling

      Reviewed July 26, 2026

      I have just started collecting through PayPal. The first few times, I was able to use my money for purchases. Now I can't find my money that I recently received. So they did something without me knowing, and now I can't find my money. Get a grip, PayPal. So now I have to find my money before I close the account. More trouble than it's worth. Three payments lost.

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      Refunds & Payouts

      Reviewed July 26, 2026

      PayPal will not refund money to me even though the company has assets seized by the FBI due to fraud. At this point, PayPal is now an accessory to a Federal crime.

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      Staff

      Reviewed July 26, 2026

      I hate absolutely hate PayPal. I could have sworn that I closed the account the last time I received money and had to go through hell to receive my funds. I have verified with my driver's license and face ID, I still cannot link my account to retrieve my funds, this happens every single time. Not to mention there’s more protection for the customer than the account holder. I’m the one that’s paying you. It’s one thing to protect us from fraud, however, this is ridiculous. It should not be this hard for me to retrieve “my” money.

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      Sales & MarketingPunctuality & SpeedHonesty & Transparency

      Reviewed July 25, 2026

      Do not use PayPal if you are using it for consumer protection from fraudulent companies. PayPal always sides with the scam company without really even looking into what happened. They appear to be getting money from these fraudulent companies, because they sure won't do anything to shut them down, even while knowing they are fraudulent. Then they side with said companies and make appealing the decision so difficult you can't file an appeal. I live in an apartment complex. The company said they delivered my package to or around my garage. I have no garage. PayPal won't even take that into consideration.

      After my package supposedly sat in Chicago for weeks, then when they found out I filed a complaint to PayPal. All the sudden they showed it was delivered 2 days later. Which is a complete lie Now PayPal won't even let me cancel my account while the supposedly appeal time is over, yet I can't file an appeal either because they won't let me.

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      Sales & MarketingPunctuality & SpeedRefunds & PayoutsBilling

      Reviewed July 24, 2026

      I quickly canceled a payment of $69.99 when I realized that the offer was a scam. PayPal paid it out anyway. I never received said product which PayPal paid out for the canceled order. Trying to open a claim case and receive resolution over the past year has been impossible. I thought PayPal is supposed to protect consumer purchases. Seems not. Naturally, I can't use PayPal now as my account is in a deficit, and I can't close the account, and I can't get rid of PayPal. Hucksters.

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      Customer ServiceBilling

      Reviewed July 23, 2026

      PayPal’s customer service has been extremely frustrating. I have been unable to link either my bank account or card, which means I cannot make payments online. The process feels unnecessarily difficult, and getting support has not resolved the issue. When I contact customer service, I am passed from one department to another, each saying, “We don’t handle that here.” No one takes ownership of the problem or provides a clear solution. Because of this experience, I will not be using PayPal again.

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      Customer ServiceRefunds & PayoutsStaffTransparencyCommunicationTimelinessHonesty & Transparency

      Reviewed July 23, 2026

      I’ve been a PayPal customer for over 20 years, and my dispute (Case ID:**) has been completely mishandled from start to finish. I’ve been given conflicting and inaccurate information by multiple representatives. One told me the seller never responded. Another told me the seller did respond and that the dispute would be resolved on July 18. Most recently, the last person I spoke to on the phone told me the seller still hadn’t responded to the follow‑up and that I would be receiving my refund. I have been told this several times, yet I still have no refund and no update.

      I have requested supervisor callbacks repeatedly and not one single callback has ever happened. Every time I contact PayPal, I’m told a supervisor is unavailable or will call me back within 24 hours, and it never happens. I’ve been disconnected from chat while actively speaking to representatives, left on hold for long periods, and every interaction ends with promises that are never kept.

      On July 21, I emailed the PayPal complaints department with a detailed explanation of everything that has gone wrong. I received no response at all, so I sent a follow‑up email. I also updated my dispute case again requesting an update. Still no acknowledgment, no update, nothing. My complaint and follow‑up have been completely ignored. I paid for a service I did not receive, and PayPal has provided no communication, no follow‑up, and no accountability. I feel ignored, misled, and dismissed throughout this entire process. This is the worst customer service I’ve experienced in 20 years with PayPal.

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      Sales & MarketingStaffBillingHonesty & Transparency

      Reviewed July 22, 2026

      If you are a merchant looking for CC processing. RUN. They prevented me from making any withdrawals before I collected a single payment, after I had spent thousands on API and webhook integrations. They didn't even give me the opportunity to do anything wrong. Yet, I was still able to collect payment. It seems like merchant sales and any support is trained to waste your time, they will lie about being able to help and then disappear. It's very strange.

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      Customer ServicePunctuality & SpeedRefunds & PayoutsBillingHonesty & Transparency

      Reviewed July 19, 2026

      I have been a customer of PayPal since 2009 and have never had any issues with them. Whenever I made a purchase through the ‘buy now, pay later’ method I honored my obligation and made timely payments until the item as paid in full. If the item was returned within the seller’s specified period, the payments were either refunded to me or the transaction was a ‘wash’ because the seller was honest to report to PayPal the item was returned.

      Here is my story. I placed an order and paid for a bracelet and earrings set on Etsy from a seller called The Millennium Bride on May 22, 2026. The earrings and bracelet set were delivered on June 1, 2026. After receipt of the order I didn’t like it and decided to return it. Despite multiple attempts to contact the seller on June 4th and June 9th for mailing label, I never received any response back from them.

      Finally the seller replied on June 11th stating she would email the return label but she never did. Luckily I kept the shipping envelope used to send the set label has not yet been sent to my email as I returned the order to the sellers PO BOX via USPS on June 13th. I emailed the tracking information to the and she confirmed receipt on Wednesday, June 17th. I waited to hear back from PayPal acknowledging the return and refunds would be executed. But instead PayPal tells me I owe them and need to make payments. Of course, I tried to reach PayPal but there are no way to reach them but thru chat. So I ignored the ‘request for payment’ emails figuring if they wanted money they would call me.

      A week later I got a call from PayPal. I explained to them why I was not paying because the item was returned. They said they would initiate an investigation but in the interim while they’re investigating to make a payment. A week later they decided their records were correct and the transaction was processed correctly. WHAT A JOKE. THEY DIDNT INVESTIGATE JACKSHIT!!! If they had really investigated the case based on all the documents I submitted to them, it would have been a different outcome. These sleazes didn’t even provide me with a letter outlining their investigation to substantiate how they arrived at their decision.

      Regardless I am not appealing this ‘kangaroo court’ decision because I have already wasted too much time on this BS but will no longer purchase from Etsy nor use PayPal. I will be closing my accounts with PayPal and Etsy. In addition, I will be posting negative reviews on PayPal, Etsy and the shady seller The Millennium Bride on all social media platforms.

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      Customer ServiceSales & MarketingPunctuality & SpeedBilling

      Reviewed July 19, 2026

      Bought a black T-shirt with biker art from an online company called Shein. It took forever to ship and all of a sudden a FedEx Tracking number showed it was in Oklahoma, and showed it was delivered. It was delivered to a completely different zip code, which should have been enough. The picture on the FedEx website was not my porch. PayPal sided with an obvious scam. I will keep PayPal to use between family members, but use a credit card for online purchases.

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      TechPriceRefunds & PayoutsStaffBilling

      Reviewed July 17, 2026

      Been a long time, Customer with PayPal only second to my credit cards as I can dispute those transactions. Up until recently there wasn’t an issue with PayPal while I’ve only disputed one and that was years ago, but hey. Paid for merchandise through PayPal that was shipped through from China. The only tracking number I got was a Chinese tracking number. The vendor states that it was transferred to the United States Postal Service. Anybody with half a brain knows that packages do not travel through the United States Postal Service without a United States Postal Service tracking number. When I informed PayPal that it had not been received, they refunded half and then declined the second half which I still don’t understand because both items were supposed to be in the same box.

      I provided them anything that I could, including my informed delivery that showed that I did not receive a package or that day nor was I expecting one. Yet they still sided with the vendor. Moore over the tracking number they provided me could not be tracked through the postal SERVICE PayPal’s genius idea was for me to go get a letter from the post office saying that they don’t use their tracking number. Yep, the dumbing down of humanity. Yep, it was only $40 but I had just started buying in the cryptocurrency and I chose PayPal for my platform so I think it cost them more than it did me because I withdrew everything I had and as soon as that money hits my bank account I will be closing my PayPal account and will never do business with them again.

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      CoverageMaintenance

      Reviewed July 17, 2026

      They deactivated my account because "They said" my Id wasn't full. Yet they have 2 mails for me and I didn't receive the request to fix it. Now I can't delete any information.

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      Customer ServicePunctuality & SpeedRefunds & Payouts

      Reviewed July 16, 2026

      Had an item I purchased on EBay and product has wrong description! Asked PayPal resolution dept to step in and it’s still not resolved 2 weeks later. Even though I returned the product to seller and provided all the info to PayPal. I had to pay for return label ! Their live chat and process is horrendous seems like the operation is in some 3rd world country! Disappointed.

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      Customer ServicePunctuality & SpeedRefunds & PayoutsStaffRates

      Reviewed July 15, 2026

      I had ordered several t-shirts from a company that is in another country. Up until recently, when I filed a complaint, it was fast and exhaustive. The PayPal experience was horrible. PayPal kept the communications between that company and PayPal, and since I had no idea what the company had said, there was no way I could find out what their problem happened to be at the time. I ordered a hoodie and 6 T-shirts. Since my shoulder size is larger than the average male, I needed the shirts in size 3XL. What I got was shirts that could fit maybe a 6th. I took pictures with my normal 3XL t-shirt, and I was told that there was nothing wrong. Sending the wrong size is definitely the wrong item that should have been sent. If I paid for a wrong-sized clothing item, I could either get a refund or get the correct size. Neither happened in this case.

      PayPal used to be an excellent company to deal with when dealing with items that one has to pay for in advance. When something is damaged goods that one cannot even get over their head without cutting, cutting it is damaged goods. Since I see that PayPal does nothing when someone complains, I can understand why they have a 1.3 rating. Seeing the responses, that is a bit too high for the new service that company has shown. Too bad one cannot put a zero rating for the new service model that they are showing. After 17 years, I will find a new service away from this company. Now to find other places so I can rate this company.

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      Refunds & Payouts

      Reviewed July 15, 2026

      I was cheated out of my money and PayPal allowed it to happen. I paid for a service but never used it and when I asked for a refund- they said everything was processed correctly and never refunded it.

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      Reviewed July 15, 2026

      PayPal has been ignoring me. I am trying to close my deceased brother's account and move whatever money he may have in there. I submitted death certificate, my court documents as executor over and over. They are holding up closing probate. Next step: I will close my account.

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      Punctuality & SpeedRatesTransparency

      Reviewed July 13, 2026

      Worked fine for a few weeks. Then suddenly I wasn't allowed to use my account. They won't give me a specific, clear reason why and only use vague general explanations. They refuse to let me appeal and aren't interested in hearing a valid reason for the thing they wont tell me I did. And they are making me wait to withdraw my funds.

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      Customer ServiceStaffTransparencyCommunicationResolution

      Reviewed July 12, 2026

      Updated on 07/26/2026: Hi, Back on July 12th 2026 I wrote a terrible review regarding PayPal not caring about their American customers and taking care of issues properly. PLEASE READ IT! It has to do with how Paypal is stealing people's money and are having people in the Philippines, who do not speak English well and AI make all of our financial money decisions when it comes to disputes when they need to be escalated to Paypal, supervisors in the United States to talk to the customer and come up with a fair and right resolution.

      It’s been another two weeks since Paypal has not contacted me nor have tried to resolve my issue of Paypal not returning my $1500. I have tried every path to get a phone number to Paypal in the United States to speak to someone, and it simply does not exist. Beware. Stay away from Paypal, Venmo and all other companies Paypal is the parent company of, they are not reliable at all. They are all dealing out of the Philippines and AI and no customer support to anyone in the United States and no supervisors in the United States to speak to at all. You could be out a lot of money, just like me.

      Original Review: I hope PayPal is reading this very poor job PayPal is doing to their value customers. My case number **. To everyone who is dealing with the same issues with PayPal. It’s time for everyone to ban together. PayPal is not taking care of their American customers at all. Please read everything. I feel for everyone’s pain who has been hurt by PayPal‘s decision-making team overseas. This is an unacceptable denial of my claim. Paypal‘s final decision with no communication with me other than emails from AI ended on July 11, 2026 From your incompetent overseas third-party company!

      The short of my disappointment with PayPal. As well as reading other terrible reviews from other people we have all been having the same issues. Wake up Paypal. This company is destroying your long, great standing and trust of your customers. It all started back on June 9, 2026. I have been asking to speak to a supervisor here in the United States of America and I was told 4 times on the phone by the people in the Philippines they or AI will take care of any issue. I also asked in these emails which I feel I’m dealing with nothing but AI, letting them know in the emails if I was denied (not to make any decision without me having the opportunity to speak to a supervisor in the United States).

      Never in 19 1/2 years I’ve had issues with Paypal. I can’t speak to a United States supervisor. I’ve always been able to speak to somebody in the United States when the problem is that big and in this case it’s $1500 that was now I feel stolen from me from Paypal. I will do everything in my power to get the phone number and speak to someone at Paypal Located at 2211 N. 1st St., San Jose, CA 95131. Case Number ** now closed by your incompetent AI team. Communication has now stopped at their end and there’s no way for me to get in touch with them.

      This is a terrible job done by the team in the Philippines as well as AI. This is not acceptable and I’m not done with this issue. And I’m not going away. (A supervisor needs to call me.) You have my case number and you have my contact information. And if I do not hear from you, I will constantly be updating your lack of non-communication to long time, customers and believers of Paypal and Venmo who are the same company and handling customers with a third-party transaction team in the Philippines and AI who are handling your customers atrociously. Again, too much to unpack and discussing through emails. The bottom line is, I must speak to someone of the highest authority in supervise decision-making department in Paypal in the USA location at 2211 N 1st St, San Jose, CA 95131. If that information is even true on Google.

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      PriceStaffBillingRates

      Reviewed July 12, 2026

      I had never even heard of YOLO Brothers until I noticed recurring charges of $49.99 per month on my PayPal account. I never knowingly signed up for a subscription with this company, and I have absolutely no interest in astrology guidance or apps, which is the service they claim to provide. Discovering these charges was both confusing and frustrating. I spent hours trying to resolve the issue through PayPal, hoping they would help me stop the unauthorized recurring payments. Unfortunately, my experience with PayPal was just as disappointing. I was told that I was responsible for how the company obtained my payment information, and PayPal ultimately decided the dispute in the merchant's favor.

      As a result, I was left without reimbursement or meaningful assistance. Between the recurring charges, the time I spent trying to resolve the issue, and the lack of support I received, this has been an extremely frustrating experience. I encourage others to review their PayPal and bank statements carefully for any unexpected recurring charges. I am very disappointed that YOLO Brothers stole $200 dollars from me and equally if not more disappointed with how PayPal handled my case.

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      Customer ServiceTechPunctuality & SpeedRefunds & PayoutsStaff

      Reviewed July 9, 2026

      I have never been so frustrated with a company as I am with PayPal. Their customer service is slow to answer questions and they seem to not have enough knowledge to resolve issue of refunding money that belongs to you. All I wanted was the $55.95 that was issued to me by a company that was paying me for my services and Paypal would not release it. Chatted with assistance and they were no help and did not resolve the issue and then just logged off the chat line from me.

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      Verified purchase
      Customer ServiceMaintenance

      Reviewed July 8, 2026

      I've had a business account for 16 years and all of a sudden my autopay stopped working. Thus Cancelling my account with Google and I can't use PayPal anymore. I have money in it but can't access it and I have spent 6 hours on the phone with you and no one can correct the problem or escalate it to someone who can. Shame that 16 years history with a company ends like this. Bye bye!

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      Customer Service

      Reviewed July 8, 2026

      I purchased a Tai Chi workout from a seller in the Internet. At first I received Tracking from Pampalona, Spain. After not receiving the book, the seller send me a tracking number that I received it. I went to the post office and they told me the tracking number was bogus. I informed the seller and the sent me a new tracking number. I went back to the post office and they gave me a paper that showed a shipment from Ohio to Illinois. I confronted the seller and they said the package was lost. I asked for a replacement and they sent a tracking number that was the same as the original. After giving up, I escalated the complaint to PayPal. Believe it or not, they decided for the seller. In spite of the seller admitting that I never received it. Have robots taken over the complaint departments for PayPal? Poor customer service or non existence.

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      Customer ServicePricePunctuality & SpeedStaffBillingTransparency

      Reviewed July 7, 2026

      I have never dealt with a company that made such a simple problem so unbelievably difficult to resolve. My nightmare started when I reported fraudulent charges on my account. What should have been a straightforward fraud investigation turned into over a month and a half of phone calls, chats, emails, and hours wasted trying to get PayPal to do the right thing. I was transferred between departments, given conflicting information by different representatives, forced to repeat my story over and over, and constantly told to wait while nothing actually happened.

      PayPal's fraud department was completely ineffective. Instead of protecting their customer and resolving the fraudulent transactions in a timely manner, they dragged the process out for weeks while I spent countless hours chasing updates and trying to get someone to take ownership of the issue. In the end, PayPal didn't solve the problem. The only reason it was finally resolved was because I filed a complaint with the Consumer Financial Protection Bureau (CFPB). It should never take a complaint to a federal government agency just to get a financial company to properly handle a fraud case.

      After finally getting the fraud issue resolved, I decided I never wanted to do business with PayPal again and attempted to close my account. Even that became another frustrating ordeal. My account showed a negative balance of only $9.99, but PayPal refused to let me use any of the bank accounts, debit cards, or credit cards that were already linked to my account to pay it. The problem wasn't my payment methods—PayPal simply would not allow any of them to be used to clear the balance. I spent over an hour just trying to pay $9.99 so I could close my account.

      Think about that for a second. After spending more than six weeks fighting PayPal over fraudulent charges, I then had to spend another hour just trying to leave. No customer should have to fight this hard to resolve fraud, involve a federal regulator to get results, and then fight the company again just to close their account. This experience permanently destroyed my trust in PayPal. There are too many better payment services available today to justify dealing with this level of incompetence and customer service. I will never use PayPal again, and I strongly encourage others to consider alternatives.

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      Sales & MarketingPriceRefunds & PayoutsStaffResolutionFollow-Through

      Reviewed July 5, 2026

      I purchased 2 dolls that were advertised as being handmade dolls and I thought were made in the USA. When I received them, they were nothing as advertised and I wanted to return them. The packaging I received showed they were mailed from Texas. When I tried returning them, I was told they would need to be mailed to China. The cost to ship them to China would cost more than what I paid for them.

      I contacted PayPal for help, I was asked to send all these pictures of the dolls, which I did, and got no help whatsoever from PayPal. Ultimately they sided with the Chinese company and I had to pay. Now I'm trying to close my account with PayPal (I've been a member for 21 years), and they tell me I can't close my account. They have had a lot of other consumers complain about the same issue, and until they resolve it, they won't close my account. I've given them 1 month to finish their investigation or I will bring legal action to close my account. BEWARE OF PAYPAL.

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      Customer ServiceSales & MarketingBilling

      Reviewed July 4, 2026

      I have had PayPal for years. They sent me a letter saying I was approved for their cashback card, and it seemed like a good credit card. Within the first month, I was unfortunately scammed. I thought, no big deal, credit card companies deal with this all the time. I sent in the dispute and was denied. Appealed and was denied again. Their customer service and complaint team are BOTTOM TIER. I cancelled it immediately and will stick with Chase.

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      PayPal author review by Tammy Burns

      PayPal was founded in 1998, and eBay acquired it in 2002. The company now has nearly 200 million active customers, and in 2015 the company hosted approximately 4.9 billion transactions. Customers in more than 200 countries can use the company’s services and hold money in their accounts in 25 different currencies. Consumers can use the service to transfer money to other individuals, pay bills, make online purchases, make donations and obtain financing.

      • Online payments: Consumers can use PayPal to check out on millions of websites. Those who are uncomfortable putting their credit card information on lots of different sites can pay with PayPal, ensuring their information is stored with a single company.

      • Credit: PayPal Credit is the company’s financing option, which lets customers have flexible payment options. It can be used online, in stores and even to send money to someone else. Availability is subject to credit approval.

      • App: Using the PayPal app, customers can make purchases in brick-and-mortar stores with their PayPal account, send money from their mobile device and check out with PayPal when shopping on their device. The app is available for Apple, Android and Microsoft devices.

      • Recurring payments: Consumers can use their PayPal account to set up recurring payments for subscriptions for a variety of services, including Spotify, Netflix, Angie’s List, match.com, ancestry.com and more.

      • Fees: Customers do not pay fees when they make a purchase with their PayPal account. When consumers send money to another individual’s PayPal account and use money already in their PayPal account or in a bank account linked to their PayPal account, there is no fee.

      by Tammy Burns Deputy Editor, Personal Finance

      A former finance phobe, Tammy now devotes her career to ensuring that people don’t make the same money mistakes she once did. Her work has appeared in Fortune, the Toronto Star, Advisor’s Edge, Greedy Rates, and Money Under 30. She joined ConsumerAffairs in 2023. Tammy studied magazine publishing at Toronto Metropolitan University and has a BA in psychology from York University, and her earlier journalism took her from editing law books to writing restaurant reviews to reporting live from the Eyjafjallajökull eruption in Iceland. A part-time digital nomad, Tammy calls Toronto home but has also lived in Chiang Mai, Prague, Glasgow and rural Crete.

      PayPal Company Information

      Company Name:
      PayPal
      Website:
      www.paypal.com