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1.6 out of 5, based on 9 ratings and
42 reviews & complaints.

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Deceptive Business Practices
Posted by on
Rating: 2/51
IRVING, TEXAS -- It's a shame PayPal has to resort to deceptive business practices to profit. It is virtually impossible, no matter how many boxes you check, to avoid an occasional purchase being charged to Bill Me Later, even when taking out a loan is not your intent. I have even tried calling them to have Bill Me Later completely removed as an option for payment on my PayPal account and I got the runaround and was unsuccessful.

I made a recent PayPal purchase via mobile device and was not even given options for payment and it defaulted to Bill Me Later, even though I have reset my default payment options to avoid that scenario many times. I can't even pay the balance until the next billing cycle, which they inconveniently space months apart, because I show no balance at this time. This makes it, by design, much easier to forget to pay your balance before you begin paying ridiculous interest charges retroactive to the date of purchase. [snip] It's much simpler to form-fill your credit card numbers - mine are interest free - with each purchase, albeit perhaps less secure, than to be concerned with taking out a balloon loan unintentionally. You aren't responsible for charges on a stolen credit card number anyway, as long as you catch it in a timely manner, so the claim that PayPal is more secure is arguable.

Although a good service for money transfers, the push to charge payments to Bill Me Later is wrought with high interest rates, smoke-and-mirrors default options, deception and inconvenience. I'm checking out OF PayPal, not WITH PayPal (clever, I thought)
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Confused and Furious User Suspended Without Warning or Explanation
Posted by on
Rating: 1/51
SAN JOSE, SOUTH CAROLINA -- Ebay/Paypal suspended account, offered no information, no appeal, no resolution. Account was suspended without warning or apparent reason. When trying to discover why, I was told I needed to obtain a subpoena. As of 12/31/12, two items had sold on Ebay. The following day my account was suspended. Without any information, I didn't even know whether to ship or not. Turned out payment was held pending resolution, but as the suspension was permanent; the buyers were to be left in limbo with the seller striped of means for direct resolution. On 1/1/13 I called customer service at eBay twice, both times was shrugged off without any info. On 1/2/13 I called Paypal support and was told I needed a subpoena just to learn why I was suspended. On 1/2/13 I began receiving disputes from Paypal in regards to the products I no longer had any information about. My Paypal balance was 0, because payment was held for a new account. I issued a refund for the product I never sold or received payment for, and was informed that my Paypal account was now in negative balance. In addition, I paid $26.45 in Shipping fees that are now null thanks to the unwarranted, unannounced, and unexplained account suspension.
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madconsumer on 01/02/2013:
eBay and PayPal have degraded to be the bottom of all online sellers sites.

very helpful review, and voted as such!!
trmn8r on 01/02/2013:
If you received word that your account was suspended, and that payment was being held, it makes sense that no refund would be needed to be made by you.

Don't know about PayPal, but you should be told why your Ebay account was suspended. These are two separate accounts, at least they are for me.
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Turned over to a collection agency, even though I've never used Paypal
Posted by on
In the mail today, I received a debt collection notice from a company in MN stating I owe $557.00 to PayPal. For starters, I have never used Paypal in my entire life. I have never used their services at any time. I have 2 credit cards I use for online transactions and purchases. What really takes the cake is that I was never once sent a notice from Paypal stating any money was owed in my name. Someone must have stolen my identity. Paypal should have at least sent a notice to my home address first before turning my name over to a collection agency. I have sent both Paypal and the collection agency certified letters demanding an explanation for this fiasco. It costs me $11.50 to send both letters. Way to go Paypal. I'm now in the position of defending myself costing me money.
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trmn8r on 01/30/2012:
What if the person who opened the PayPal account used a false address? Then you don't receive anything at all, until a collection agency hunts you down after finding out your correct address. Just a thought.

Identity theft is a serious problem, and when it happens can cost the target dearly. I hope you get this straightened out quickly.
PepperElf on 01/30/2012:
While you're doing all of that... get a report of your credit history.

You may want to put a freeze on your credit. This may also require a police report so get your information ready for one of those too
Molly76 on 01/31/2012:
How was this letter identifying you? Just by name and address? Could be a con trying to scare someone into paying. If an old person or someone who is afraid of creditors for some reason, they might just pay even if they don't owe anything.

I'd definitely check it out but I doubt it is real.
Darrell27 on 01/31/2012:
Great suggestions. I'm a senior citizen, so this could very well be a scam. All the collection agency had was my physical address. We receive our my at our post office box. I have already filed a complaint to the BBB against Paypal. I think I'll file a complaint against the collection agency as well. Thanks folks!
Inat on 01/31/2012:
I agree with Molly76 - It almost sounds like a scam. I've used PayPal but not a lot - I can't figure out anyway you can owe them money as you use it as a payment which is taken from your bank or credit card. I suppose there are scenarios where it could happen (ie. you use it to pay and then don't have the bank funds to cover it?).

I'm leaning towards scam.
Cwazychicken on 01/31/2012:
Paypal wouldn't send someone who never used PayPal a letter like that. I have used PayPal for years and I know that they do not do this.

If you for some reason did use PayPal or someone stole your identity and opened up a PayPal, their letter would probably be certified, meaning you would have to sign for it. The letter would most likely have your name on it as well as more information about it. This is obviously a scam.
Darrell27 on 01/31/2012:
Cwazychicken. You didn't read my review correctly. It states that I received a collection notice from a collection agency. Paypal was the company who turned me over to collections. The collection agency was the party who sent me the letter. I contacted the agency today and they did in fact state it was Paypal who is trying to collect the debt.
ticia232 on 01/31/2012:
Darell, Paypal is NOT in the loan business, if you do NOT have money in your PayPal account then you get denied.
Yes, the SCAMMERS trying to get your money say it is from Paypal, because that is what scam collection agencies are trying to do now.
This is like the time I got called from one of these about an outstanding amount on my cell phone bill. I have NEVER had a cell phone that wasn't prepaid. When I called they INSISTED that was a valid charge for going over my minutes, forgetting the fact that if I went over the phone wouldn't work.

I love what happened next, they said that called 911 too much. And that the police charged the cell phone and not me.
raven2010 on 01/31/2012:
Just a note, PayPal IS in the loan business, in a manner of speaking. You can use "bill me later" to pay later and/or in installments
Cwazychicken on 01/31/2012:
Oh sorrY. Was tired when I read it. I hope it gets settled.....I was under impression someone made false claims it was from PayPal, when in fact they just want a way to scam you. As I have been a PayPal member for several years and never had this happen.
Darrell27 on 02/01/2012:
Here's an update. The collection agency is a legitimate agency. I called them yesterday and tried to reason with them. I was told someone had used a Yahoo e-mail account in my wife's name (not her specially, just the same name) and a transaction did occur. My question to the collection agency was, how did you get our home address and connect her to this bogus transaction. The lady at the agency was rude and said pay up or else. Today 9 letters are going out to the collection agency, Paypal, and to our state's attorney general's office. We have already filed complaints to the BBB against Paypal and the agency. If the debt they are trying to collect in my wife's name was overdue, why didn't Paypal or the agency send us a notice months ago? They refused to answer this too. I think they just took my wife's name out of a hat and decided she was the person just because she has the same name.
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Paypal and eBay Suck for the Casual Seller!!!
Posted by on
I am fairly new to eBay and Paypal. I have bought only 3 or 4 items on eBay and paid via Paypal. With financial times being what they are, I went and did a little housecleaning. I sold what I could on Craigslist, and some other things on eBay. I was shocked at how well I did on eBay. The problems started when the buyers paid through Paypal. Apparently, being a new seller on eBay and with feedback of less than 100, being the fact that I never sold before, I was subject to the holds that Paypal puts on the funds.

Now like I said, I sold these items because funds are pretty low, but Paypal sends me an email for each of these purchases advising me that the payment is being held but to go ahead and ship the item. Well, in order to ship all these things, some heavier than others would cost over $200 of which I don't really have to spend like that and then wait to get my money. I think it is pathetic that scammers across the world have caused Paypal to take these measures. Now I contacted the buyers and explained to them why I sold the item and why I had no funds to ship it. I asked if they wouldn't mind waiting the 21 days for me to ship, and obviously I wasn't expecting anything different than the rude responses. Now I am facing negative feedback, and I had to refund the money that was pending in my account. I am still stuck with this stuff that sold pretty well on eBay, but couldn't even draw an interest in my hometown.

If I were a business selling in great quantities on eBay I might be able to afford to ship this stuff. This really hurts the little people who are selling this stuff for the financial gain that they will receive. Plus, with all different scams going on throughout the world, although Paypal tells me to ship the stuff, I just don't feel comfortable shipping until I know that the money is actually in my account, not in some pending status.
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SaMoore on 07/25/2010:
You should have read the terms of service. It's a shame you wasted so many buyers time.
Anonymous on 07/25/2010:
I use Ebay specifically so I don't have to go out of home to buy something and to have it shipped to me at a reasonable time. I would not be rude to be upset thata seller would not ship for almost a month because they couldn't afford it, especially if I paid for shipping and handling.

You could have disclosed this upfront. EBay and Paypal policys are disclosed and you should have been aware of them before you used their services. I feel sorry for the buyers
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Paypal seller protection
Posted by on
So, like the person who sold the domain, I sold an account online.

The buyer immediately disputes it. Paypal says they don't have a leg to stand on because it's intangible. Wait out the 20 days and you will get your money. 20 days later, the money is released to you.
I get worried because the person was talking about my mother in french and saying something about aids. I ask... what if they used a stolen card? Paypal says, leave it in the account for over 60 days. That's the time limit for a charge back. I leave the money in there for almost three months. What happens two days later? Yup, Paypal takes the money back out. So my empty account is now -935 bucks. Not sure why it's not the full amount.
I call them and they said that the person disputed the Paypal account's use. They say they didn't use it. Funny thing, they speak french as well. So they send me a letter saying they will investigate and 10 minutes later they say we are taking the money back. I call them and they say that they didn't actually investigate.
Why would someone dispute the use of their account if it wasn't there account immediately after the purchase? And what are the odds that they both speak french? So they say they will call back within 48 hours. 5 days later no call.
This is the second time I've had this issue. Don't believe their seller protection. They didn't cover me last time even though I was protected. If you have an American express card and decide to buy 3 laptops a year, you can chargeback the full amount for each no questions asked per year. Doesn't seem fair to me. Fraudsters are using credit card charge backs to take advantage of people using eBay and Paypal. Are they really investigating these claims? I think not. They are just charging back the funds to the card. Paypal, in small letters, says that they are not obligated to fight it or get your money back. Great deal. Beware of Paypal. There were like 78,000 chargeback complaints on their site in less than a week. I must not be the only one. They aren't a bank so they do not need to comply with federal laws.
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Unscrupulous Billing Practice of PayPal Buyer Credit
Posted by on
NOVATO, CALIFORNIA -- Beware PayPal Buyer Credit! They have unscrupulous billing practices. In my case, I incurred 2 late fees within one month for a bill paid in full on its due date. All this for a service I was tricked into using.

How was I tricked? After purchasing an item on eBay I made payment via PayPal. Although I did not have an account, the default funding source was set to PayPal Buyer Credit. I always chose "More Funding Sources ..." picked my credit card and completed the transaction.

On my last purchase, I forgot to select "More Funding Sources ..." Payment went through, I received my item. I received a bill in the mail from an account that was closed. I paid the bill anyway.

The due date was coming up fast, so my called to ask if we could pay by credit card online. She was told yes.

It wasn't true. The only way we could pay online was to provide checking account information. We didn't want to incur late fees, so we provided the info and made our payment.

That's when we learned payment wouldn't be credited for 2 days, which enabled them to charge a $25 late fee. That's usury!

It gets worse. This evening, 3 weeks later, I get a call from a foreign PayPal representative informing that my they couldn't accept my payment because I didn't have an account. And by the way, you've incurred another late fee of $20.

$45 dollars in late fees in less than one month's time for payment in full on the due date. All for a credit service I didn't need and didn't want because of their unscrupulous billing practices.

The only way to avoid the thieves at PayPal Buyer Credit is to avoid using PayPal entirely.
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Soaring Consumer on 03/04/2009:
I think that the Federal Trade Commission should be contacted about this.
CoonCatOne on 05/26/2010:
I have had a couple of problems with PayPal. They really do not care about consumers...
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Paypal Refunded My Money To Buyer After Sale And Delivery Of Product
Posted by on
I was just commenting on a Paypal complaint and thought realized I wanted to share my recent Paypal drama as a review.

I sold a digital item to a person in NYC. They paid me via Paypal. The payment said "complete" in my Paypal account, so I sent them the item electronically (a domain name).

A few days later I get an email from Paypal saying they are putting the funds on hold while they do an audit. They took my money back! They then requested I provide similar documentation proving the sale. I thought the buyer was trying to scam me! I contacted her, she said she didn't not know anything about it, but she got a similar email from Paypal.

I called them, sent them all the screen shots of our transaction, annoyed that I even had to spend all this time making screen shots... Especially since neither party had filed a complaint with Paypal. We both told Paypal we wanted the transaction to go through.

Paypal assured me I would have the money back before Christmas and this was just a random audit formality. Well the money never was put back in my account, and a few days after Christmas I get notified that they have decided to refund my money to the buyer!!!

This was all done based on a random audit not initiated by either party!!! What made it worse was that I had transferred ownership of my domain to the buyer, and that is a non-revokable action. I cannot get my domain back at this point.

I called (very upset) and was told by a manager/supervisor that there is nothing they can do. They told me the buyer needed to respond to their email confirming the transaction. The buyer said she did respond. I told them can they call the buyer, she will confirm we want this transaction to occur. The supervisor told me "Sir, we are in internet company, we do not make phone calls to customers". I said hell you are talking on the phone to me right now...!

The supervisor then told me I could have the buyer re-send the money. I asked would go through for sure this time? She answered, "There is no guarantee it won't get audited again". Why would I want to go through the same process again? She then said I was free to go and use another service if I wanted.

Long story short... They refused to return my money... and I had to then go back to the buyer and have her snail mail me a check. Fortunately she was trustworthy and delivered on sending me a check. But she could have just walked away with my domain and my money if she wanted... all thanks to Paypal.

Never again will I be using Paypal.
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Anonymous on 01/22/2009:
Spart, you found out like many others it is best to stay clear of PayPal. They are not a bank so they play by their rules. I have not used PayPal in years and never will again.
Anonymous on 01/22/2009:
Ebay has made them the only game in town for makeing payments. so people are stuck with them if they use Ebay.
Aussie pensioner on 02/17/2009:
Yes, PAYPAL are an absolute disgrace, there should be an independent commission into them. I have had many many issues with them. The last one was a seller who sold me the wrong item, Paypal asked for proof of my return of this item which I uploaded into their site for them. They then sent me a reminder to contact them when it was all in there, and then they closed the case in the seller's favour. Because of the cost of returning the item and my loss because the wrong item was originally sent, I am out over $50 which is a lot in the Aussie economy. Paypal are not to be trusted. I truly believe a commission should be set up regarding them.
StephSten on 09/02/2009:
I hope that a smart lawyer, somewhere, sees the CLASS ACTION LAWSUITS that are written ALL over Paypal and Ebay.

I have NO doubt that they are guilty of MANY infractions and I am CERTAIN the "class" would be HUGE.
PepperElf on 09/02/2009:
what class action lawsuits
Marvin Rogers on 06/11/2011:
The same exact thing happened to me, I sent the buyer the item, and she left me a positive feedback. All of a sudden I see that Paypal has returned my money.. So now the buyer has the money and the item. Its so currupt.
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Credit Limit Reduced from $300 to $100
Posted by on
SAN ANTONIO, TEXAS -- Credit limits are too limiting:

I have been a Paypal "Buyer Credit" customer for over a year and haven't had any trouble until recently. During Christmas '08 I got a letter stating that my credit limit was reduced due to a recent pull of my credit report. I admit my credit score went down a little since buying a house and a vehicle but I've always paid my bills on time. I paid my Paypal account in full every month! Since opening the account I have over $1500 in transactions. All paid!

So of course during Christmas I spent over my NEW credit limit of $100 (I received the credit limit letter after my purchases). I did not receive any penalty or fee that I am aware of.

I called Paypal GE MoneyBank, spoke with a CSR, supervisor, and manager. I asked if they would return my credit limit to the original amount ($300). The supervisor and manager kept telling me to read my credit agreement and letter that was sent stating why my limit was decreased. They might have well as being robots. I explained to them how great of a customer I had been and that in this troubled economy they needed steady paying customers. The robots still said no and would not restore my credit limit. A measly $300 bucks… really?

I informed the supervisor and manager that I have no choice but to close the account. So I did.

I checked my credit report and it took a small hit because my balance was over my limit and the credit limit was reduced. By the way Paypal BC GE Moneybank is very slow to update/report to the bureaus.

My advice: when using Paypal DO NOT APPLY FOR PAYPAL BUYERS CREDIT.

The End...

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Paypal Refunded My Purchase
Posted by on
I recently purchased a laptop charger on eBay from a PowerSeller because my charger died. First off, I thought the shipping was too much, but, at the time, I didn't say anything. I got the charger about 4 days after paying. When I plugged it into my laptop, the green light didn't come on, and the computer didn't power up. So I emailed the seller and asked for a refund and told him what the problem was. I noticed that the charger looked cheap in person, and not on the photo on the listing. It was a generic charger, and not what I wanted, which was the genuine Dell charger. I've heard about generic chargers not working, and this was no exception.

And, YES, I realize I should have asked before bidding! My mistake!

I got an email back the next day from the seller stating that he would provide me with an even exchange (not what I requested). I mailed him back again and told him that I wanted a refund. I never heard from him directly after that, so I left a neutral feedback score saying such. Then, I decided that it had been 5 days since I emailed him about the refund the 2nd time, I would file a claim with PayPal, just in case. I told the truth and said what I said here. They asked me to ship the item back to the seller, which I was hesitant about because I was already out of the money, but I did what they asked and sent it Priority Mail with Delivery Confirmation. I sent them the Confirmation number as asked. When I paid for the shipping, it was not $9.99 as the seller charged (he shipped in a flat rate box, too), but $4.75 (I shipped in a regular padded envelope)! I told PayPal that he overcharged in shipping. $5 is a big difference!

So I waited about 2 weeks and got my answer today thanking me for sending the item back as requested and they are refunding my full amount of $19.94!!! I was worried since the seller was a PowerSeller, and I've heard horror stories of people getting screwed out of their money, but I am happy to report that I had no problems! I am happy with PayPal!
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Ponie on 01/07/2009:
Glad they were able to accommodate you. Off the top of my head, I'd say 99.9% of the time consumers who go through proper channels, politely explaining why doing so (as you did), they'll get positive results. I'd surmise the other .1% who get negative results may possibly bring it on themselves with their attitudes, demands, etc. Good review.
MrBeanRocks25 on 01/07/2009:
Guess what, though? The jerk seller decided to file an unpaid item dispute! I paid, got the item, requested a refund, sent it back, and got a refund. This guy is a scam artist. He has the item but he wants my money! He's not getting it back.
MRM on 01/07/2009:
Mr Bean, long time, no see! How have you been doing in the last couple of months?
Stick around often to reach your first star!
MrBeanRocks25 on 01/09/2009:
MRM, I have been VERY busy! LOL! Thank you for the kind welcome back! I've been in Nursing Assistant school, getting geared up to become a Registered Nurse. I'm super excited! I will be sticking around, though. :)
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Phishy Email
Posted by on
MINNEAPOLIS, MINNESOTA -- I received the below email, and I am not sure if it is a scam. I have never used Pay Pal, so I don't see why they would be sending me this email. While I am smart enough to know better than to believe it, I was wondering if anyone knew where to report it? Surely Pay Pal would like to know? Thanks!


We recently noticed one or more attempts to log in to your PayPal account from a foreign IP address.

If you recently accessed your account while traveling, the unusual log in attempts may have been initiated by you. However if you are the rightful holder of the account,click on the link below to log into the account and follow the instructions.

If you choose not to complete the request, you give us no choice but to suspend your account temporary.

It takes at least 72 hours for the investigation in this case and we strongly recommend you to verify your account at that time.

If you received this notice and you are not the authorized account holder, please be aware that it is in violation of PayPal policy to represent oneself as another PayPal user.Such action may also be in violation of local, national, and/or international law. PayPal is committed to assist law enforcement with any inquires related attempts to missapropriate personal information with the intent to commit fraud or theft. Information will be provided at the request or law enforcement agencies to ensure that perpetrators are prosecuted to the fullest extent of the law.

Thanks for your patience as we work together to protect your account.

PayPal Account Review Department.


Please do not reply to this email. This mailbox is not monitored and you will not receive a response.
For assistance, log in to your PayPal account and click the Help link located in the top right corner of any PayPal page.
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Anonymous on 02/13/2008:
I have also received emails such as these. In the past, I have forwarded them to PayPal and they have confirmed that this is not from them. This scam is to get your PayPal password. Best advise is to never click on a link that you receive in email, especially if it's anything to do with one of your accounts that that requires a password. ALWAYS enter those sites directly by typing in the address yourself, or by using your own saved link.
Anonymous on 02/13/2008:
its a spoof email.
thensider on 02/13/2008:
I felt like it was. I mean, I have NEVER ordered anything online, except concert tickets, so they would have no reaon to be "concerned" about my identity! Anyone know where I can forward the email to at Pay Pal? thanks!
Starlord on 02/13/2008:
The thing to do is to forward the email without opening it to They will take whatever steps they need to, including going after the offender legally. Congratulations for recognizing spoof mail. What the offender was trying to do was obtain your information, so they could use it to steal your identity.
Sparticus on 02/13/2008:
Very common scam email. If you right click on the link and view the properties of the login URL to PayPal, I bet you will see the url actually points to something OTHER than

Delete this email after you report it.

Flute726 on 02/13/2008:
Next time you get something like this, forward it to or They will email you back with the results and tell you if the email is legit or not.
thensider on 02/14/2008:
thanks everyone, I fowarded it and haven't gotten a response yet, but I did delete it from my email!
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