CFPB Consumer Complaint Profile
Paypal Holdings, Inc
Consumers have filed 35,402 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-05-15
- 35,402
- Total complaints
- 8,456
- Last 12 months
- 99.9%
- Timely response
- 61
- States affected
The verdict
Paypal Holdings, Inc ranks #24 of 3,848 financial companies by CFPB complaint volume, with 35,402 complaints on record. 99.9% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.
- #24
- of 3,848 companies by volume
- 99.9%
- answered on time
- Money transfer, virt…
- most-complained product
- 61
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 206 |
| 2014 | 586 |
| 2015 | 1,040 |
| 2016 | 1,159 |
| 2017 | 870 |
| 2018 | 987 |
| 2019 | 1,628 |
| 2020 | 2,497 |
| 2021 | 5,411 |
| 2022 | 3,381 |
| 2023 | 3,834 |
| 2024 | 4,142 |
| 2025 | 7,359 |
| 2026 | 2,302 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Paypal Holdings, Inc
Paypal Holdings, Inc carries 35,402 complaints in the CFPB's database, 8,456 of them filed within the past 12 months. Consumers spanning 61 states and territories have weighed in, giving this a nationwide footprint. The single largest complaint category is "Money transfer, virtual currency, or money service," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Managing, opening, or closing your mobile wallet account" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
99.9% of CFPB-forwarded complaints against Paypal Holdings, Inc get a reply inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. Consumers formally disputed the company's response in 21% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. 32.7% of resolved complaints ended with some monetary or non-monetary relief for the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Paypal Holdings, Inc have?
The CFPB has logged 35,402 complaints against Paypal Holdings, Inc to date, of which 8,456 came in over the last 12 months.
Does Paypal Holdings, Inc respond to complaints on time?
99.9% of the CFPB complaints against Paypal Holdings, Inc get a response within the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Paypal Holdings, Inc?
Among all products tied to Paypal Holdings, Inc, "Money transfer, virtual currency, or money service" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Paypal Holdings, Inc?
"Managing, opening, or closing your mobile wallet account" is the single most frequently cited issue in complaints against Paypal Holdings, Inc - see all issues and counts above.
How do I file a complaint against Paypal Holdings, Inc?
You can file a complaint against Paypal Holdings, Inc directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Paypal Holdings, Inc?
Paypal Holdings, Inc has drawn CFPB complaints from 61 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~35,402)
Also handles Money transfer, virtual currency, or money service
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.