PayPal Reviews
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- User-friendly interface
- Strong security measures
- Funds held for extended periods
- High fees for transactions
PayPal Reviews
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Reviewed Sept. 27, 2026
The PayPal is good to use. However customer service are a little rude. May I request that the beginning balance and cash on hand be displayed in the app so that I don’t have to contact a customer service agent

Reviewed Sept. 23, 2026
Despite being a 15-year PayPal user, I am closing my account today. I had a disputed payment, followed their rules (reached out to vendor, who told me there was no record of my account). My dispute was denied with explanation "we agree with vendor charge was proper". I have no communication from vendor and no explanation or documentation from PayPal. PayPal did not encourage the vendor to provide any account information, nor did they share any information with me. I am referring the vendor the BBB, but with PayPal having so little respect for existing users and have only a Chat bot to attempt to resolve issues, I believe they've totally lost their customer service aspect. Very disappointed, this used to be a reliable company.
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Reviewed Sept. 21, 2026
I had Purchased Performance Gummies from Ultima Peak and when Ultima Peak sent me a confirmation Email about the purchase they threw some Lymphatic Drainage Capsules in the shipment and charged me an additional $99 at which I did not order. I immediately emailed Ultima Peak and demanded that they do not send the Capsules and refund me my money. Since I used Pay Pal to pay for the purchase I went through the resolution center at Pay Pal and they refused to refund my money too. So I get scammed twice, once by Ultima Peak and PayPal. I highly recommend that you don't use Pay Pal for your purchases and do not buy anything from Ultima Peak. You will be scammed and charged for products that you did not purchase.
Reviewed Sept. 21, 2026
PayPal is getting worse by the week. Their website has become so cluttered it is hard to navigate and easy to make mistake clicks. To get to a live person is very difficult and a long wait time when you do get one. On my last chat, I asked why Paypal didn't go after the criminal that got away with $977 of my money on Sept 14, 2026 and the agent closed the chat.

Reviewed Sept. 19, 2026
PayPal reps only support sellers. They offer nothing for buyers who have been scammed. I ordered an item which never arrived. I provided PayPal multiple emails from the scammer stating it was lost, reshipped lost again and never refunded. They refuse to act and get me either the item or the refund.

Reviewed Sept. 15, 2026
My experience with PayPal has been disgraceful and completely unacceptable. PayPal permanently closed my account using vague accusations, yet failed to identify any fraudulent transaction, illicit payment, evidence, or specific policy violation. I committed no fraud and received no illicit funds. For a company that handles people’s money, this lack of transparency is appalling. If PayPal claims I violated a rule, it should identify the exact transaction, provide the evidence, and state the exact policy allegedly breached. Instead, I received generic scripted wording rather than a meaningful explanation. Closing an account first and then refusing to properly explain the accusation is evasive, disrespectful, and deeply unprofessional. I have formally challenged the decision and requested a genuine manual review. Until PayPal provides actual evidence, I consider the way my account was handled completely unacceptable. **

Reviewed Sept. 13, 2026
I’ve been waiting for a $794.00 refund for over a month now. They have all of the paperwork showing the purchase was never shipped. PayPal reps don’t know what they’re talking about. They lie. They say they will handle my refund & they don’t. They’re crooks.

Reviewed Sept. 12, 2026
I would give a negative 10 if I could, I have been trying for over a month to get the money that is in my account, from fraudulent purchases done by others., and they will not refund my money. I have called in over 30 times and each time I get someone different who gives a different excuse as to why they can not return my money to the credit card I have on file. Hey Pay Pal do the right thing please finally return the over $500 that is due to me it is not hard, in fact the people who took the money from me had an easier time getting it so your security features are terrible I want my money that is mine.
Reviewed Sept. 10, 2026
They keep charging my debit card instead of my credit card and getting help to fix it is so time-consuming. If I have my credit card as the default, why do they keep taking $ out of my checking account? I ended up taking my debit card out to avoid issues and now they just bounce the payments instead of using my default credit card on file. Why???

Reviewed Sept. 8, 2026
PayPal does not support the buyer as well as Amazon does. They seem to protect the seller even though the facts clearly support the buyer. Also you cannot talk to a human in customer service which shows they really don’t have a Customer Service. I cancelled my account after many years and purchase only through Amazon.

Reviewed Sept. 8, 2026
Don't use it. They don't screen the businesses they allow to use their site. Plenty of scammed or automatic subscriptions and almost impossible to contact a live person at PayPal. You have to use your bank, close the card and allow the bank to resolve the problem.
Reviewed Sept. 8, 2026
I was informed by Paypal that I had some charges and I wanted to know what they were. I tried to sign in to paypal but ended up (after an hour the first time) getting nowhere. They gave me a phone number 800 811-7516 and they wanted A credit card number and never got the problem settled. I am going to cancel paypal on all my payments. Not sure they are crooks but I will not stick around or try to sign in again.

Reviewed Sept. 8, 2026
PayPal is taking 2 months to resolve a case where I am entitled to a refund of $422.57, and not only that they prevented my credit card company from resolving this issue. I received an item I DID NOT ORDER, and I provided all the proof. I filed a BBB case, and they are insisting I ship this item back at my own cost to receive the refund. Last time I had to send back an AC unit, I had to make 10 calls to UPS to have it picked up. The UPS Store does not take AC units and now I have to put up $200 of my own money to ship this back apparently. Why should I pay for the seller's mistake? PayPal was reliable 10 years ago, but now they are a corrupt company that sides with fraudsters. Now you have to put in 2 months of work to get a refund you are entitled to due to a seller's mistake. This is truly unbelievable.

Reviewed Sept. 4, 2026
WARNING: PayPal is actively seizing corporate payroll deposits over explicitly excluded transactions. I am writing this to warn every small business owner, freelancer, and everyday worker about the dangerous overreach happening at PayPal Holdings, Inc. Recently, a fraudulent buyer filed an invalid chargeback regarding a real estate (land sale) transaction. Under Section 3.2 of PayPal’s own User Agreement, real estate is explicitly EXCLUDED from Purchase Protection. PayPal has absolutely zero legal authority to arbitrate, hold funds, or penalize a seller over a land sale.
Despite uploading the official signed deeds and county recordings proving this was an exempt real estate transaction, PayPal’s system slapped a temporary negative balance on my account and went radio silent. It gets worse. Overnight, due to a processing error, my employer's corporate payroll (via an ADP direct deposit) was misrouted into this account. PayPal’s automated system instantly swept and seized 100% of my hard-earned employment paycheck to satisfy this invalid, un-arbitratable negative balance.
When I called customer service to resolve this clear system glitch, front-line agents gave me incorrect legal scripts, refused to transfer me to a manager, put me on hold for an hour, and then hung up on me. They have now officially closed the case in the fraudulent buyer's favor, permanently locking up my livelihood and leaving me in immediate financial duress, unable to pay my basic household utilities. I have officially filed a formal emergency complaint with the Consumer Financial Protection Bureau (CFPB) against PayPal Holdings, Inc. to fight this blatant conversion of wages.
If you use PayPal for your business or have your banking details linked to their platform, protect yourself. Unlink your accounts immediately. They can and will freeze your livelihood overnight without warning, completely violating their own legal terms. Please share this to get the word out. Consumer safety shouldn't look like corporate theft. #PayPal #PayPalFraud #ConsumerProtection #FinTech #CFPB #ADP #SmallBusinessOwner #CorporateOverreach

Reviewed Sept. 4, 2026
On 7/14/26 I bought dresses from Rockwoodfashion. I chose PayPal as payment. I waited a month. First red flag the company doesn't give me a name for the courier just a tracking number on their website. I contacted them because it said it was delivered on 8/14/26 at 00:48am I have no idea couriers delivers after midnight. I contacted the company first, they did their investigation they were supposed to take 3-5 business days it's been weeks. I contacted PayPal I showed all the emails between the company and I. PayPal closed my case because the company sent a tracking # I showed what it says with the date and timestamp but wasn't enough. PayPal is the worse company I have ever deal with. They don't care about you they are helping this company take your money because they suck at investigating. I have proof!
Reviewed Aug. 30, 2026
Order a product on eBay using my PayPal account May 20, 2026. Product was shipped. Took over two months to get here. Once product was opened up checked. Found that product wouldn’t work. Resent item back to eBay for refund. Both denied. eBay now has my product and my money over $500. PayPal was asked numerous times to reopen case and denied in eBay‘s favor.
Reviewed Aug. 30, 2026
I bought a bottle of "rust remover" from a company called Nexa-us. The purchase turned out to be a "subscription trap" automatically signing me up for an unwanted "premium discount membership" without my consent or knowledge. I was charged an additional $18 for this "membership" and then $39.95/month for three months afterwards in spite of repeated attempts to cancel. PAYPAL was complicit in the scam allowing Nexa-us to establish an automatic monthly payment to them from my account without even telling me it existed. Refused to refund my money and then I had to search all over the Paypal site to discover and then end the automatic payment plan they allowed Nexa-us to create. Making a claim through their website is a waste of time. Their AI bot is useless and stupid and the site seems designed to frustrate any attempt at resolution. IMHO don't count on Paypal for protection.

Reviewed Aug. 30, 2026
If I could give Paypal a zero stars I would, I first found out that Paypal took away my pay in 4 with no real explanation. When I called to ask the agent stated that they repulled my credit score and it was not up to their liking, whatever that means. When I asked more questions before I could finish my sentence, he started to speak over me, and did not care that I was even saying, "Can you please let me finish because you are responding before I have completely asked my question", placed me on hold for 15 minutes then transferred me to someone else without my knowledge then they asked me to explain everything all over again and she too talked over me as though I was not even speaking then hung up on me.
The second situation I had with PayPal was just this past week. I placed an order, and I decided I wanted to use my credit card rather than my checking account to allow me to make payments rather than paying for my items all at once up front. I was ordering through TikTok Shop. I paused the Tiktok shop and logged into my Paypal account and changed my payment method to my credit card which is in my PayPal wallet already. I changed the default card (primary card) to my credit card which I have done many times in the past, since my pay in 4 had been taken away, and my orders have gone through in the past without any problems, I logged out of Paypal and then back in to Paypal just to make sure it took, and it did.
So I went back into my Tiktok shop order page and proceeded to pay for my items. At first it stated on my reciept that my payment with my card went through and gave a confirmation number, then I got a notification that my bank had processed my payment as well so I wad charged twice and the bank had paid it but it over drafted my account $426.28 because I had bills that auto paid coming out at the same time. I reached out to Paypal as they are the source that I went through to process my payment, they told me I needed to speak with the seller.
I asked for what this is about, Paypal processing two of my accounts at the same time when I had specifically changed my card and I locked my bank card through the bank so just in case it couldn't go through that was over ridden and processed, I was out of the state for the week so I couldn't swing into my branch to ask why when my card had been locked, was my card allowed to be used and called Paypal to ask why they used my bank account when I changed it to my credit card. The man I was speaking with placed me on hold. Another person came to the line and asked me a bunch of questions only to say, "What is your question?" I said I have a complaint. Again, I was hit with. You have to call your bank and the sellers? And again continued to speak over me.
When I called the corporate office, I heard someone pick up and hang up the phone and it just rang. When I tried to call back, my phone number had been blocked from calling. I do not know what to do because now I do not have enough to pay my big bills, card payment, and rent. I am so angry and disappointed, mad, and mind blown that this is happening, anyone else going through anything with PayPal?

Reviewed Aug. 28, 2026
Scam app. They stole my money. My account was permanently blocked just because they decided to do so.

Reviewed Aug. 27, 2026
Complaint - I made a transaction that had an error with a decimal point. Receiver refunded back to me and I sent correct amt. Paypal has not acknowledged that this was an error and now say I owe Paypal the money. I have made several attempts to get this corrected but have been unable to get resolution and have not been allowed to talk to a real person. AI is not helpful. In the meantime my bank keeps getting hit for this. Rating customer satisfaction as 0 at the moment.
Reviewed Aug. 27, 2026
If you are a PayPal user, beware!! The resolution center is a complete joke. They do not support buyers, no matter what. I purchased Rosabella beetroot capsules through a F. B. ad that said buy three and get three free at 11:99 each. The total should've been approximately $40. I go to checkout, I entered my payment information, which was PayPal. The Rosabella website did not give me an option to even review the order. The order went through immediately. I had no way to check it or cancel it, but I saw the invoice and it showed, it was billed for $81 dollars and change. I let it go, and moved on. A little over a month later, I get a notification on my phone that says my PayPal account had just been debited $71.94 from Guess Who, Rosabella. (Ambrosia Foods LLC) After an extensive search, I finally acquired a phone number for Ambrosia Foods LLC.
I called them, explained the situation, and they gave me a complete runaround with no intention of refunding my money. I then disputed the transaction with PayPal and sent them enormous amounts of documentation, including correspondence with Ambrosia Foods LLC and well over 50 other complaints from individuals complaining of the exact nature of my complaint. They denied my claim because Rosabella had proof of delivering the product that I never ordered. There was never any mention of a subscription order in the ad I purchased it through. It was a one-time purchase. So take heed, my friends, if you use PayPal and haven't been burnt yet, trust me, you will!!! Ambrosia Foods got my $71.94, and PayPal lost a 13-year customer!!
Reviewed Aug. 25, 2026
I ordered two pairs of shoes that advertise they were from Nordstrom’s end of season sale. That was not true. When they arrive, they were obviously very cheap. The souls were inflexible, and they had an overpowering chemical smell. I contacted PayPal and found there was only a name for this company in Chinese. There was no address and no way to contact them so I filed a case with PayPal. PayPal asked me for additional information about the purchase and the shoes twice which I provided and submitted on their website. They claimed they did not receive any information from me which is just a lie. On August 25, they said they resolved the case in the sellers favor. This is such a distant transaction. You really have no power in this situation. The shoes were so bad I would not even donate them to Goodwill or to a charity. I threw them in the garbage. $80 down the drain. I have deleted my PayPal account and will never use them again.

Reviewed Aug. 24, 2026
I tried to get a refund from a foreign company pretending to be an American Veteran. The product I received was nothing like the ad described or pictured. PayPal's system would not accept my pictures. I tried numerous times and asked them for other ways to submit them to no avail. I got no refund. I could return it at my expense, but it was supposed to be from the U.S. I asked for a shipping label, but they wouldn't do that either. I tried to cancel my account, but they said I had money on my account so they couldn't. The only way to get the money out was to give them my bank account or debit card info. I don't want them having my personal banking info. That's crazy. Now Pres. Trump has made them refund me money that I can't get out either.
With all the scams now, why would anyone give them their personal bank account info to possibly be emptied into someone else's pocket? Trump needs to go after them again for that too. I asked them to credit my credit card that they had on file, but they said they can't so that. BS I asked for a supervisor and held for 53 mins. I guess the guy sent me to La La Land. I hung up because my battery was going dead. I figured they would help me like the last time. No help at all. Just a waste of time.

Reviewed Aug. 21, 2026
My only reason for using PayPal has been to shop at unknown sites. I recently did so and found out that my faith was misplaced. I authorized a payPal payment to Lunavelle's site for $71.94. This was the only charge I authorized PayPal to make. My card was charged $124.84 and the company showed me paying for an additional three boxes of their product. The company was nice and acknowledged the issue and offered to have me return the extra boxes. I disputed through PayPal and was rejected because the company sent the product. I appealed because I did not authorize the additional charges and that appeal was rejected. I will not use PayPal again, since they took away my only reason to use them.

Reviewed Aug. 19, 2026
Horrible customer service regarding fraudulent websites/businesses and sellers. You can provide all the evidence supporting the seller being fraudulent and they still side with them. I have been with PayPal 24 yrs and it only gets worse year after year along with the horrendous AI chat bots. Closed my account.
Reviewed Aug. 18, 2026
I have attempted to resolve issues with fraudulent billing, Paypal does nothing. I'm hearing impaired so chat works for me, but guess what, can't get anyone on chat that will help resolving issues. I had to go to my credit card company and close the account to get rid of Paypal. Worst company I have ever dealt with. Wish I could give them no stars.
Reviewed Aug. 18, 2026
I will never use PayPal again. I filed a dispute with a month ago and they strung me along and then denied the claim. I supplied all info that was asked for and in the end they sided with Ebay. You can't talk to a human. Ebay is just as bad and I will never use either again.
Reviewed Aug. 18, 2026
Poor customer Service. They just as like bloodsucker! Parasitic company. I hope will come soon a new truthful service!

Reviewed Aug. 17, 2026
Paypal has failed me with this dispute. 14 days go by. Instead of calling me saying they need more information they simply keep saying look at your email. Also the company has not responded to the chargeback. I wonder why. They know they are wrong for keeping the fee for a service that was not provided. Mastercard and paypal are not in good standing with me. It does not take a month to do a dispute.

Reviewed Aug. 16, 2026
Flawed dispute system that protects wrong-item merchants — 1/5 Stars. I recently purchased items online and received completely wrong products from the merchant. I immediately submitted photographic proof showing the invoice versus what was actually delivered, expecting PayPal Purchase Protection to resolve the issue under Significantly Not as Described.
Instead, PayPal’s dispute team—and their card dispute division—declined my claim. Their automated system appears to verify only whether the tracking number shows a "delivered" status, completely ignoring clear evidence that the items inside the package were incorrect. When I escalated the issue, I was met with generic scripted responses and no path for a genuine human review. If a merchant sends you the wrong items, do not expect PayPal to protect your funds. Their dispute resolution process relies heavily on automated checks rather than reviewing actual evidence, making their purchase protection practically useless when a seller fails to fulfill an order correctly.
Reviewed Aug. 16, 2026
For years, I have used the bank statements that PayPal has on their site to balance my account. Then, starting in 2025, they stopped putting beginning or ending balances on these statements. I have called to ask why, but nobody seems to know why I would want this and cannot tell me, or won't tell me why it was removed. I have now limited my use of the account for collecting payments from customers in the rare case they need me to take credit cards. I am looking elsewhere for a service that understands reconciliation. I would highly recommend another service, as PayPal seems to be becoming old hat and not keeping up with the times.
Reviewed Aug. 15, 2026
Several Time I tried to close this PayPal account. They will not close it, By having the excuse that I have payments pending, which is not true.
Reviewed Aug. 14, 2026
I always thought Paypal was a scam. In the past when I have used it they take a percentage of the money, which makes it hard to transfer exact amounts. Services like venmo don't do this, so I switched to them. I tried to make a paypal account again recently for a friend, but ended up not needing it. Paypal took standard info like email, phone, bank, etc. Next day I realized me and my friend did not need to use paypal, so I went to delete it. Well, now paypal is saying they will not delete my account unless I upload a photo of myself. I have never had that happen before. Extremely shady and scummy. Why would you need to verify new info of me to delete an account when you didn't have that info previously? If I see if need to upload my face to use your service, I will not use your service, but now they won't even let me delete my account while they keep access to my bank.
I can have my account stay locked forever while they keep my bank account info, which just increases their number of users to make them look better while likely many users want to delete and can't. I am literally held hostage by paypal. Not to mention all the shady scummy stuff they've done with Honey and stealing people's data. I hope they get ripped apart in court and the company crumbles, since that seems the only way my account will be removed.
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.
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.

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!!!!

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.
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 ExposedJust 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 TheftTo 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 ArroganceWhen 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 ExpirationPayPal'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.

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!!!!
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!!
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.
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



