PayPalReviews 2,131

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

Regardless of my excellent credit worthiness as shown on my consumer credit report, and regardless of my excellent standing I have always had for years with PayPal Mastercard, I was finally able to use and NEEDED to use and rely on my Paypal Mastercard, And when I went to use it it was declined for the amount of $1300. To my shock I called Paypal to inquire what was going on.

When I called Paypal to inquire, I was told by a supervisor, after requesting one, that PayPal can close anybody's account whenever they want to, in essence. I was told because I had not used my card in a year they lowered my limit from $10,000 to $1500. I was stranded because of this, but the supervisor only helped me complete a cancellation of my PayPal MasterCard, which was done very easily with her help and encouragement.

When I asked the supervisor to direct me to the line in the contract that states if you don't use your card in a year or more they will cancel it or drastically reduce your limit without you knowing, she told me it's nowhere in the contract other than the clause that says they have the discretion to do what they want with your credit card at any time.

Bye-bye PayPal good riddance!
It is reasons like this that is your first indication a company is going belly up!

I made the biggest mistake of buying something off Coach Outlet. I paid with PayPal because of the buyer protection. After I spent $78.39 (tax included) at the Coach Outlet, I waited weeks for the package to come, finally I open it and the product was described wrong. Coach had no prepaid return labels, no Coach outlets in NYC, and on their website, they said the shipping is the customer's responsibility. I should NOT be responsible to return something that's not as described so I filed a dispute on PayPal to get $8 refunded to me from Coach so I could return the socks. They closed in my favor, I used $6.41 out of the $8.00 to return the socks. Coach gets the socks.

BUT! They only refunded me $70.39 on PayPal. Where's the $6.41 I spent that was supposedly covered by them for THEIR mistake? Again, I had to contact Paypal and again, each response was from a different agent who barely read my previous dispute, barely looked at the previous evidence or even bothered checking the transaction ID showing that I spent $6.41 to return items to Coach. Instead, I was offered a measly $8 "return shipping voucher credit" that lasts only 6 months because the agent said that Coach *did* refund me full. His response: "Coach refunded you $8 and then $70.39". DUDE, I spent the $8 to return the WRONG items to them. Like WHAT? I wasted so much time waiting for these items just for them to be wrong, I had to go through the hassle of talking to PayPal, then having PayPal letting Coach keep the money and giving me back a partial refund over something that wasn't even MY fault. Such a headache and since it was only out $6.41, I basically ignored the resolution and gave up. How sad that consumers have to give up their money because a situation becomes so complicated and ridiculous? PayPal wasn't helpful at all.

Paypal is by far the worst licenced money thief.
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Even worse is that one cannot speak to a living human being ever. The $#*! Ed up computerised prefabricated answers are farfetched and ridiculous. It refunds idiot customers that supply ZERO evidence on complains. It never protects any seller. The stupid ceo is as unreachable as the stupid emoji resoinding to online complaints. Take good advice today. Paypal is $#*! Ing doomed. Move ur biz to transferwise

I am new to ebay/paypal and have a number of auto parts from a shop I closed years ago. My parts were Porsche and BMW parts and I thought I would try ebay and sell a couple of items. My parts sold quickly and I soon had over 1000 dollars in the pay pal account. I tried for 3 weeks to get the money transferred to my bank/credit card, but paypal would not transfer the money. I spent 3 hours this afternoon chasing paypal chats and other do nothing BS and I finally was able to speak to a person. He could not figure out why I could not withdraw my money, so after 45 minutes and 3 different people trying to help me, I was told to apply for a paypal debit card and that card would have my funds on it when I received it. So that is what I did. In 8 to 10 days they claim I will receive the card. We will see. I have many other items to sell but Paypal WILL NOT be a form of payment. DO NOT USE THIS COMPANY.

I have been victim of vova limited and paypal.
I've been costumer since 2014 never had situation as as have my PayPal closed claim keep blame me for the transaction is authorised. And I've said is been authorised automatically as since it happened I've tried to enter my account. I couldn't. Then I've contacted PayPal. They send me a link to reset my password. I have been battle with vova and they refunded the money but PayPal open case decision center, vova could not refund te money I've escalating this issue sinc6 2 months head with dispute. I'm trying to send email to PayPal but Tey kept send me go to decision centre and there the case is closed. So I have end up paying the bill and I'm forced to do so otherwise I will face charges. So vova playing in there side and paypal play in his side. And costumers get the blame. I'm really disappointed as PayPal is not credit card merchant. Is con credit cards. And I don't wish to any other costumers to have a same experience Im going through.

Please *******@SwangGeely on twitter if you have been ripped off by Paypal. I am putting together a class action suit and need more people with documented cases to come forward.

As for my review of Paypal:

I never had an issue with paypal until I got ripped off by an online vendor on 11/02/2020. I purchase often from online auction sites and I have since I first set up a paypal account in 2003. This was the first time I ever had to attempt to get my money back from a seller. They put me through hell. The seller provided them a shipping number belonging to an aerospace company and paypal determined that was proof I received my item. They closed out my case. Paypal does not give you any way to refute their decision on their website, so I then had to call and fight with their automated phone system for 1.5 hours until I got an actual person. The person showed zero interest in the situation and is only there to re-open the online case. This is all part of their "process". They then sent me a message saying that I had to obtain paperwork from Fedex to prove that the package was not intended for me. I sent them the documentation. They told me that they will have to verify this with FedEx. I asked why they didn't do that in the first place instead of wasting my time. They gave a BS explanation about how they accepted the tracking number from the seller because the tracking info showed that a package was delivered in the town I live in (no address is shown when you look up the Fedex tracking number online, it only shows the town it was sent from and the town it was delivered to). I replied that the seller is from Vietnam and the package was shipped from Columbus Ohio. I asked why the "town matches your address" logic wasn't applied to the seller's address, but I did not receive a response that acknowledged the question. I am still waiting for the hundreds of dollars that was stolen from me to be returned... It has been 12 days since I first disputed the charge. This company is disgusting and they should be exiled off the face of the Earth. Anyone who has a lot of money tied up with them or uses them for business purposes should think long and hard about what they actually are and the power that they have over your money. They are not a bank. They are a for-profit, publicly traded corporation. They can hold your money indefinitely for no reason at all whatsoever. It's 2020 and If you are a business owner who is still using paypal to collect money, STOP immediately. Switch to Stripe. It may not be as widely used, but they are a company who is trying to become #1 in the payment processing game - which means that they are competing - which means they should provide a better service. Paypal is already on top so they don't give a crap about you or your money.

Please take your complaint to the Better Business Bureau (BBB) ASAP. It is, as far as I know, the best way to make a difference in battling this corrupt, immoral company. The BBB takes into account the number of complaints and the number of unsolved complaints in their rating. You can also email John Rainy, the Chief Financial Officer of PayPal, who frankly doesn't give a crap about you, at jrainey(at)paypal.com. I have been ripped off to the tune of thousands of dollars, and PayPal refuses to reimburse me. They have changed their excuse for not reimbursing me several times, and they have lied to me and I have proof of it which they cannot dispute. Worst of all, my significant other is battling Stage IV cancer, and this money would go to her treatment. The only thing these awful people know how to respond to is their bottom line, and the best way to impact that is by opening a claim with the BBB. I urge you to do so.

I've never heard about a bank or any other payment or financial institution that can not protect you from scamming.
I was offered to do marketing for those Chinese people and after I finished the job and they liked what I did, they payed me throw paypal.
After 2 weeks the Chinese asked paypal to refund them what they paid me, I refused however paypal froze my money and sent it back to those Chinese.
I was wondering if paypal is a Chinese company?! They protect them however its me who was scammed.

I have been a customer of Paypal since 2004 and had used Paypal both as a seller and buyer. I used to be satisfied with their service.

However, over the past 5 years, Paypal's service has gone down hill. Their customer service is non-existant. They must hire junkies who read at the 1st grade level because Paypal customer service reps are the worst!

I had placed a dispute on my credit card but the merchant ended up coming through and delivering the product. So I called my credit card company, Chase, to cancel the dispute because that's the right thing to do. I thought that would be the end of it, but no. I was about to enter the depths of Hell with Paypal because it was the platform I had used to pay the merchant.

Paypal dragged their feet, refused to close the dispute. Every time I called Paypal the rep would tell me something different. "It'll take up to 45 days for us to resolve the dispute." The second time I called, the rep said it would take 75 days. The third time I called, and spoke with a supervisor, he told me 90 days. That's just one example of different reps telling you different things.

Finally, they closed the dispute, however, they resolution was that the merchant had NEVER sent me my product. Instead of closing the dispute as I had requested, they falsely claimed that the merchant was at fault, so they could charge the merchant $20! That is insanely unethical! I as the customer reached out to cancel the dispute b/c the merchant had delivered the product. Paypal should NOT have charged the merchant $20!

And when I called to complain, the customer service rep, another imbecile, told me that Paypal would eventually refund the merchant. How does that make any sense? I asked for him to show me proof or send me something in writing. Lo and behold, he failed to do it and lost his cool, and started shouting at me. Unprofessional, immature, and incompetent.

Paypal is dishonest, unethical, and going down hill. I am taking my business over to Stripe and Apple pay. I feel like I age every time I use Paypal. Not worth it at all!

PayPal is very convenient and is being widely used by sellers which is a huge convenience, however, I have found that in a dispute they will side with the seller. I don't know if the customer service representatives don't speak English or if they are told to side with the seller but they don't read or understand the disputes. If I could find a different payment app I would use it. I bought an item that promised a 100% refund guarantee. When I tried to return the item they refused. When I requested help from PayPal they sided with the seller even though I sent proof of the guarantee.