CFPB · Heavy filing volume
Paypal Holdings, Inc
38.9K CFPB complaints (heavy-volume third) · 62 states · top issue Managing, opening, or closing your mobile wallet account.
Paypal Holdings, Inc is in the heavy-volume third with 38.9K CFPB complaints (ranks #23 of 342). Timely 99.9% · relief 33.2% · top product Money transfer, virtual currency, or money service. Allegations, not findings.
- Heavy filing volume
- +2710.7% filings 2013 to 2026
CFPB relief outcome brief
CCDB company paypal-holdings-inc
33.2% relief · 99.9% timely · 38.9K filings · Money transfer, virtual currency, or money service
Same-product relief peers
Nearest relief peer: Chime Inc. (33.8% relief)
Paypal Holdings, Inc closes 33.2% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Paypal Holdings, Inc scores strongest on relief provided (100/100 percentile-benchmarked) and weakest on closed with explanation (38/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
100 / 100 percentile-benchmarked
33.2% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
99.9% of complaints answered inside the CFPB 15-day window
Closed with explanation
38 / 100 percentile-benchmarked
66.2% of complaints closed with an explanation to the consumer
Most of Paypal Holdings, Inc's 38.9K filings include narrative text
55.4% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Paypal Holdings, Inc complaint mix by product
- Money transfer, 28K 73.6% – 31% relief
- Checking or 4K 10.3% – 32% relief
- Debt collection 2K 4.4% – 58% relief
- Credit card 2K 4.3% – 34% relief
- Credit card 1K 2.7% – 43% relief
- Money transfers 921 2.5% – 43% relief
- Bank account 802 2.1% – 46% relief
Heavy-volume mix: how Paypal Holdings, Inc's 38.9K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Money transfer, virtual currency, or money service | 27.6K |
| Checking or savings account | 3.9K |
| Debt collection | 1.6K |
| Credit card | 1.6K |
| Credit card or prepaid card | 1.0K |
| Money transfers | 921 |
| Bank account or service | 802 |
| Prepaid card | 671 |
| Payday loan, title loan, personal loan, or advance loan | 179 |
| Credit reporting, credit repair services, or other personal consumer reports | 179 |
| Credit reporting or other personal consumer reports | 172 |
| Consumer Loan | 167 |
| Payday loan, title loan, or personal loan | 79 |
| Debt or credit management | 37 |
| Payday loan | 24 |
| Other financial service | 13 |
| Credit reporting | 3 |
| Mortgage | 2 |
| Student loan | 1 |
Nationwide filing states for Paypal Holdings, Inc
Top states by attributed volume, heavy-filing company
- Leading state
- CA
- 12.2% of this company's filings
Paypal Holdings, Inc rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 5.8K
- +2710.7% vs 2013
Volume vs. relief
Where Paypal Holdings, Inc sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Paypal Holdings, Inc files more complaint volume than 94% of them, and closes complaints with relief more often than 91% of them, placing it in the quadrant for high volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 38,942 · Closed with relief: 33.2%
Top States
| State | Complaints |
|---|---|
| CA | 4.7K |
| FL | 2.7K |
| NY | 2.7K |
| TX | 2.7K |
| PA | 1.4K |
| IL | 1.3K |
| GA | 1.3K |
| NJ | 1.2K |
| OH | 1.0K |
| VA | 970 |
| NC | 956 |
| MI | 913 |
| WA | 848 |
| MA | 848 |
| MD | 759 |
| CO | 715 |
| AZ | 711 |
| TN | 640 |
| MO | 547 |
| OR | 521 |
Top Issues
| Issue | Complaints |
|---|---|
| Managing, opening, or closing your mobile wallet account | 7.3K |
| Fraud or scam | 5.7K |
| Unauthorized transactions or other transaction problem | 5.2K |
| Trouble accessing funds in your mobile or digital wallet | 3.2K |
| Other transaction problem | 2.6K |
| Managing an account | 2.5K |
| Money was not available when promised | 1.4K |
| Problem with a purchase shown on your statement | 1.1K |
| Attempts to collect debt not owed | 921 |
| Confusing or missing disclosures | 747 |
| Problem with a lender or other company charging your account | 732 |
| Unexpected or other fees | 643 |
| Other service problem | 608 |
| Closing an account | 513 |
| Other transaction issues | 301 |
| Account opening, closing, or management | 299 |
| Problem with a purchase or transfer | 284 |
| Making/receiving payments, sending money | 242 |
| Problem adding money | 225 |
| Other features, terms, or problems | 220 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 206 | 99.5% |
| 2014 | 586 | 99% |
| 2015 | 1.0K | 99.5% |
| 2016 | 1.2K | 99.9% |
| 2017 | 870 | 100% |
| 2018 | 987 | 99.9% |
| 2019 | 1.6K | 100% |
| 2020 | 2.5K | 99.8% |
| 2021 | 5.4K | 99.9% |
| 2022 | 3.4K | 99.8% |
| 2023 | 3.8K | 99.9% |
| 2024 | 4.1K | 100% |
| 2025 | 7.4K | 100% |
| 2026 | 5.8K | 100% |
Source: CFPB Consumer Complaint Database
Paypal Holdings, Inc in the heavy-volume third
Paypal Holdings, Inc's 38,942 logged complaints reach a nationwide footprint - 62 states have at least one filing. 55.4% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2026-06-26. Volume lands in the heaviest third of the indexed company corpus (#23 of 342).
Paypal Holdings, Inc answers 99.9% of complaints inside the CFPB's tracked window and closes 66.2% with a written explanation. 33.2% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Money transfer, virtual currency, or money service" draws the most filings, most often for "Managing, opening, or closing your mobile wallet account."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Paypal Holdings, Inc.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Paypal Holdings, Inc: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 38.9K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.9%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Paypal Holdings, Inc (#23 of 342; 99.9% timely; 33.2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Heavy filing volume