PAYPAL HOLDINGS, INC


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"Products" offered by PAYPAL HOLDINGS, INC with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Cashing a check without an account
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Personal line of credit
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card -
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Payroll card
Credit card or prepaid card - Store credit card
Credit card or prepaid card - Student prepaid card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan debt
Debt collection - Telecommunications debt
Debt or credit management - Credit repair services
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Money transfers - International money transfer
Mortgage - Other mortgage
Other financial service - Check cashing
Other financial service - Debt settlement
Other financial service - Foreign currency exchange
Other financial service - Money order
Other financial service - Refund anticipation check
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Prepaid card - General purpose card
Prepaid card - General-purpose prepaid card
Prepaid card - Gift card
Prepaid card - Gift or merchant card
Prepaid card - Mobile wallet
Prepaid card - Other special purpose card
Prepaid card - Payroll card

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Complaint ID: 5666342

Date Received: 2022-06-14

Issue: Unauthorized transactions or other transaction problem

Subissue:

Consumer Complaint: I used Paypal to make a {$.00} XXXX time transaction with a company named XXXX. I was offered a monthly subscription for {$24.00} but declined in lieu of paying {$.00} for a single transaction. On XX/XX/XXXX and again on XX/XX/XXXX my credit card was charged a {$24.00} subscription via Paypal. On XX/XX/XXXX I contacted Paypal ; they reversed the XXXX charge the same day ( XX/XX/XXXX ) but did nothing for the XXXX charge. I then contacted my credit card and they opened a dispute for the XXXX charge. Paypal responded that they had reversed the charge on XX/XX/XXXX. I called the credit card and explained that they reversed the XX/XX/XXXX charge not the XX/XX/XXXX charge. They re-opened my dispute and eventually ruled in my favor. However, on XX/XX/XXXX Paypal has created a negative balance against my account for the {$24.00} stating that the XXXX charge was ruled in favor on the merchant even though they are referring to the XX/XX/XXXX reversal. Paypal provided erroneous information to my XXXX dispute by stating that I had already had that charge reversed. The only charge that was reversed by Paypal was the XXXX charge NOT the XXXX charge. They will also argue that the charge back from my credit card was for XXXX, not XXXX. This whole disagreement is rooted in Paypal providing a incorrect response to my initial credit card dispute for the XXXX charge

Company Response:

State: TN

Zip: 382XX

Submitted Via: Web

Date Sent: 2022-06-14

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5665172

Date Received: 2022-06-13

Issue: Managing, opening, or closing your mobile wallet account

Subissue:

Consumer Complaint: Hello. I used to be a user of PayPal services science XXXX. I use my account for sending and receive money from my friends and family members. But a few days ago my account has been limited without literally any reason and explanation! I have my own XXXX GBP on it that was sent to me by friends of mine. But now my money held up to 180 days. I found countless cases of PayPal stealing their customer 's money after 180 days! That's why I filled in this complaint. At first, my PayPal account has been temporarily limited. They asked me to upload information about myself. Such as Photo ID, proof of address, bank statement, and information about my transactions. They give my case reference ID : XXXX. So I submitted all of the required information. After a few days, I found I can't use PayPal anymore. They even didn't send me an email about this. Then I tried to appeal that decision with PayPal but they refused. I can confirm I didn't do anything illegal. I just receive money from my friends. This is not prohibited by the PayPal user agreement. Please help me to resolve this issue. Also, I am a XXXX XXXX but now located in the XXXX.

Company Response:

State:

Zip: XXXXX

Submitted Via: Web

Date Sent: 2022-06-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5665065

Date Received: 2022-06-13

Issue: Managing, opening, or closing your mobile wallet account

Subissue:

Consumer Complaint: On XX/XX/XXXX, I had a customer make a transaction through my business venmo account for the amount of {$2200.00} and then another payment made on XX/XX/XXXX in the amount of {$2800.00} for items that i was shipping to him. Everything was okay, i shipped out the items to the customer and they were delivered to him on XX/XX/XXXX. On XX/XX/XXXX, I got an email stating that the customer is disputing the charges and he did not receive the items. So i provided venmo with all the necessary information needed to support this persons dispute, in reality he was trying to scam me. Long story short when he disputed these transactions it sent my account to be frozen because you cant accrue disputes through your business account or you can have your account frozen and they hold the money for XXXX for " liability reasons '' .They investigated my customers claim and denied the claim and deemed it in favor of me due to me being able to provide, the tracking info and it being delivered to his house, itemized receipts of the items and the cost. So needless to say, i have now shipped and this customer has received {$5000.00} in items that i have not gotten paid for and dont have the items any longer. I can not get anything other than the same copy and paste scripted answer from anyone i talk to. Why are the funds being held still for liability reasoning when these transactions are the only two transactions made. Venmo denied his claim and deemed my favor which the funds remain mine. My account initially was froze because of this customer disputing these charges but in reality he tried to receive my items and then once they delivered, he tried to dispute the charges and say he didnt receive it. So why is it that i am being told to wait when this customer caused the funds to be frozen but the dispute was denied so after the dispute investigation the funds for these transactions should be released to me. Im so sick of dealing with this platform. Its nothing but issues along with a bunch of others based on my research.

Company Response:

State: OH

Zip: 45011

Submitted Via: Web

Date Sent: 2022-06-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5663769

Date Received: 2022-06-13

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: XXXX XXXX XXXX RE PAY PAL >>> I DISPUTE THIS AMOUNT <<< Hello this is regarding my nightmare with PAY PAL. I will try to be brief. I ordered shoes from XXXX. I chose Pay Pal as my method to pay. Next button was Submit - so I clicked - and as I did, I saw that PAY PAL had submitted the shipping address.!!!! >>>>>>. An address I had not used in YEARS a friends address. My friend had sold her home years prior. So - my shoes are now set to be sent - at the direction of PAYPAL to someone I dont even know!! I tried in vain to edit the shipping address via the XXXX website. Their website allowed no way to edit. A shortcoming on the part of XXXX I finally enlisted the help of a friend in the USA ( yes - I am a USA citizen/ but I have lived in XXXX these past years on my social security as I can not afford to live in the USA ) My friend made many calls and finally got through to a XXXX supervisor - who said she could not stop the shipment!! but that when it reached its destination she could have it grabbed from the dock and returned to XXXX. So - I told my friend to have her do this. My friend also tried to call PAYPAL but was unable to speak to any human being on my behalf. Then I realized that paypal was still going to send payment to XXXX. I continued to try to reach PAYPAL to remove that old shipping address. No way to speak with a human Only AI / Computer generated auto-responses. I spent many many hours, trying to communicate with PAYPAL. All I got were computer responses from PAYPAL. meanwhile - Paypal was about to pay XXXX per my original order the one in which PAYPAL submitted the WRONG ADDRESS!!!!! So - I think this all took place within XXXX hrs or maybe within minutes!!!.. I contacted my XXXX bank to stop the payment to PayPal. At the same time I guess.. PayPal paid XXXX And XXXX nabbed the shoes and issued me a refund.. It all took place within hours but because I had no way to speak with a human being at PAYPAL I couldnt fix it .. Or remedy it in any way. I was and completely willing to pay them the money that I owe but I wanted a HUMAN BEING to assure me that that old defunct shipping address - was out of their system and that this would NEVER happen again. AND - after receiving nothing but Computer generated auto responses- I decided to just pay - But THEN when I tried to log into my PAYPAL account - I found that can not even access my account any more!!! So there was no way to pay them!! Again I tried to communicate via email that I couldnt log into my account - to pay but all I got was computer auto responses. NO HELP. I wrote many emails to PAYPAL. Im poor I can not afford to phone an XXXX # and sit on hold for what very well could run up an international phone bill of more than the {$110.00}. I have copies of my emails with paypal I was totally willing to pay them the {$110.00} I simply wanted a response from a HUMAN not a computer. Nothing Meanwhile- A few months later, a service that sells occasionally, my art deposited into my PAYPAL account XXXX sales. I seldom sell anything so this was a surprise! See these dates : deposited from XXXX XXXX into My PayPal account. ( an account I can not even long into any more. ) {$50.00} on XX/XX/2021 AND {$4.00} on XXXX XXXXXXXX XXXX So the total amount of {$50.00} was deposited into my Pay Pal account by XXXX XXXX XXXX So {$110.00} that I owe, less the XXXX XXXX deposit amount of {$54.00} - comes to NOW only >>>>>> {$55.00} TOTAL AMOUNT that I owe to Pay Pal <<<<<<<<<< I really would like to get this behind me- and hope that this fiasco can be closed. I do want PAYPAL to show evidence that the OLD SHIPPING ADDRESSES used over the last decade have been removed- so that this will NEVER HAPPEN AGAIN. I have been unable to correspond with a Human Being at PayPal. I will then send a check to you to clear this up. {$110.00}/ less the {$54.00} from XXXX XXXX comes to {$55.00}. This is what I owe to PAY PAL. XXXX has no postal service!! I can write a check and send it along with a person flying to the USA who will then mail it for me. What a mess. Thank you for taking the time to weed through all of this. I have spent HOURS AND HOURS trying to deal with this- with PAYPAL since the order was placed last year. Im almost XXXX years old. It is not easy. Thank you again. NOTE XXXX I use my son 's address. I have been living in XXXX because I can not afford the USA and XXXX XXXX there XXXX ( sorry ) -- - so - he brought me the letter from the XXXX XXXX regarding pay pal. XXXX has NO POSTAL SERVICE!!! you can XXXX to see this is true -- so I have no way to mail anything ... unless I send it with someone flying up to the states...

Company Response:

State: OR

Zip: 97233

Submitted Via: Web

Date Sent: 2022-06-28

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5662117

Date Received: 2022-06-13

Issue: Money was not available when promised

Subissue:

Consumer Complaint: I used PayPal to send funds to a person in XXXX. The locked his account so he could not access the funds sent. When I complained to them, they noted that the funds were transferred, but they will not release the funds. I have contacted them to either release the hold on the funds, or return them to me as they have not completed the transaction as agreed. They have failed to do either and are utilizing " Bots '' to chat with me instead of a human. This is rather frustrating as I have been using PayPal form many years and now this situation is a huge concern. It is at the very least Fraud. These funds have NOT been release to the recipient, and I have had to wire them additional money due to PayPal not following through on their promise. Simply put, they either need to release the hold on the funds, or they need to return the funds to me including the fees paid because the service has not been provided.

Company Response:

State: MI

Zip: 49401

Submitted Via: Web

Date Sent: 2022-06-13

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5662111

Date Received: 2022-06-13

Issue: Other service problem

Subissue:

Consumer Complaint: PayPal has requested that I provide certain confidential information to them in order for me to close my account, including my social security number. I refuse to do so. I've told them, just close the account. They will not. They have access to my credit card information which is concerning to me. I should be able to close my account. I owe them nothing and they owe me nothing.

Company Response:

State: CA

Zip: 947XX

Submitted Via: Web

Date Sent: 2022-06-13

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5662098

Date Received: 2022-06-13

Issue: Money was not available when promised

Subissue:

Consumer Complaint: I sent a payment to my attorney and they money hasnt been available. The payment was made on XX/XX/XXXX. We have tried to call a minimum of 7 times and we get different answers every time we talk to PayPal. Each time we are on the phone with them we get disconnected when we are on the call 20-45 minutes this has happened a minimum of 5 times on XX/XX/XXXX.

Company Response:

State: FL

Zip: 33458

Submitted Via: Web

Date Sent: 2022-06-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5662024

Date Received: 2022-06-12

Issue: Unexpected or other fees

Subissue:

Consumer Complaint: I attempted to purchase an airline ticket using my Paypal account on XX/XX/XXXX. I didn't have the proper funds when Paypal attempted to withdraw money from my bank. I called my bank ( XXXX ) once I discovered the problem to cancel the payment to Paypal which they have done successfully. Paypal is still holding me accountable for the funds and I have a negative balance according to them. I have attempted to contact XXXX XXXX via phone as well through email and haven't talked to a single person due to long wait times. I do not have a reference number or booking number with XXXX XXXX, never received confirmation that I have a ticket through them. I am still waiting to hear from XXXX XXXX regarding reference number/booking with my most recent email on XX/XX/XXXX. In the meantime, paypal is still requiring me to pay the negative balance. I have asked my bank for assistance and they have informed me I have done everything right from their end.

Company Response:

State: CT

Zip: 065XX

Submitted Via: Web

Date Sent: 2022-06-12

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5661948

Date Received: 2022-06-12

Issue: Other features, terms, or problems

Subissue: Other problem

Consumer Complaint: XX/XX/2022 PayPal will not allow me to login to my account because I do not have a mobile phone or a phone that provides texting. Last week I talked to customer service and was told that I would have to get a mobile phone. I asked to talk to supervisor and was told that the supervisor would not do anything for me and then was put on hold for supervisor for XXXX hour before I hung up. We can not get cellular service at our house because it is in a low spot. We only have a land line and our phone is not capable of receiving text messages. I was told they will not send a vocal message to our land line.

Company Response:

State: TX

Zip: 78621

Submitted Via: Web

Date Sent: 2022-07-08

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5661494

Date Received: 2022-06-13

Issue: Managing, opening, or closing your mobile wallet account

Subissue:

Consumer Complaint: I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX XXXX XXXX since XXXX. My paypal account : ( XXXX ) has stucked funds last XX/XX/XXXX in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. For Identity verification, I attached my Valid ID. Please see attachment.

Company Response:

State:

Zip: XXXXX

Submitted Via: Web

Date Sent: 2022-06-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.