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 2026-08-14
- 35,402
- Total complaints
- Among the highest
- 8,456
- Last 12 months
- 99.9%
- Timely response
- Top decile
- 61
- States affected
The verdict
Paypal Holdings, Inc ranks #24 of 3,843 financial companies by CFPB complaint volume, with 35,402 complaints on record. On-time replies land at 99.9%, the 82nd percentile for the 100+ complaint peer group.
- #24
- of 3,843 companies by volume
- 99.9%
- on time (82nd pctile)
- Money transfer, virt…
- most-complained product
- 61
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Paypal Holdings, Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.9% Top 18% higher than 82% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 4,142 in 2024 to 7,359 in 2025 (2024 → 2025).
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 |
| 2026year in progress | 2,302 |
Complaints by State (Top 15)
Company Responses
Paypal Holdings, Inc Complaint Concentration Profile
Paypal Holdings, Inc is a high-volume CFPB cohort (35,402 complaints) - enough filings to measure how concentrated the product and issue mix is, not just the headline totals. Across 80 named product lines in the stored breakdown, the leading three (Money transfer, virtual currency, or money service, Money transfer, virtual currency, or money service, Checking or savings account) hold a 67.1% share of product-tagged complaints. The Herfindahl index on that product mix is 0.287 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Managing, opening, or closing your mobile wallet account, Fraud or scam, Unauthorized transactions or other transaction problem) cover a 55.1% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (California, New York, Florida) hold a 29.5% share of state-tagged volume across 61 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 67.0% share among the 35,402 response-tagged complaints (23,735 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (7,359 complaints); the lightest year on file was 2013 (206). From 2024 to 2025, annual volume rose 77.7% (4,142 → 7,359). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
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.
CFPB-forwarded complaints against Paypal Holdings, Inc draw a 99.9% reply rate 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 at a 21% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 32.7% rate.
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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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?
CFPB complaints against Paypal Holdings, Inc draw a 99.9% timely-response rate inside 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Paypal Holdings, Inc: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (35,402 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (21% here).
Also handles Money transfer, virtual currency, or money service
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.