PayPal Avaliações 207

What a scam
Hidden information they say you can pay in 4months then every month forcing you to pay minimum if not you will get 12 fee extra to pay horrible never again

If you make multiple purchases, it is impossible to avoid interest fees because they would deduct your payments from your purchase balances randomly. So the thing they call "4 months interest free" is a total scam as even if you do pay for a specific purchase you made there is no guarantee that that payment actually goes for that purchase which lead you to pay interest fee every single month.

They make it really hard to pay on time. Avoid!

Absolutely shocking service, do not use this service !

Wth??! I have never known anything like this. ‘Scheduled payments’ arrange by PayPal them that don’t leave your account as outlined then late charges applied . Call Centre has a standard 30 mins waiting time then when you finally get through the operative seems powerless to do anything .
App has zero useful information or functionality.
Just an incredibly confusing platform which almost seems set up to be so in order they can apply charges. Completely bizarre attempt at offering a credit card style offering by PayPal. Should hang their heads in shame as an established operator.

I paid a purchase in full within the six months period to avoid interest. Well, that didn't happen. I gave the order to PaypalCredit to pay on the 2nd before midnight and they PaypalCredit scheduled it for the third resulting in a late fee. Annoying but next month the balance will be zero and they can put their interests (up to 36%/year) and their late fees goodbye.PaypalCredit served a purpose but the way these late fees are charged (really low and disdainful), I decided to let them rob others

Avoid Paypal Credit at all costs!!!

I did not use Paypal Credit by choice, I bought a new mobile phone through a company. They manage their finances through Paypal Credit only and it was sold as just another way of doing a direct debit.

A direct debit was set up and immediately there were issues.
Firstly the wrong amounts being taken, Paypal trying to take nearly double that agreed by way of the mandate.
Numerous calls to operators who had no idea what was going on. Requests to speak to supervisors or mangers over the phone.
These never came and instead complaints were escalated by way of a "ticket". After a couple of weeks a generic reply in the form of a app message is sent. You cannot reply to this, they have not understood the complaint and you cannot actually communicate with anyone.

All communication is behind a App-Wall, no replies are by e-mail, no screen shots can be taken. No satisfaction can be sort.

They are faceless, they are shielded they have your bank account and can affect you credit rating!

They've now gone from taking too much money from my bank account to taking none and keep telling me I'm defaulting.

At the time of writing this, I am in the process of uploading my complaint to the Financial Ombudsman Service.

I hope this stops others getting caught. I will avoid at all costs for the rest of my life.

**Update...I'm raising a complaint via the Financial Services Ombudsman....the process is simple and straightforward if anyone else aggrieved. Trustpilot doesn'tallow links. But you'll gind it...good luck.**

Never had a problem. I use PayPal credit consistently as an online payment method and find it is swift efficient and convenient.

I almost never leave a review for anything but, They treated me like I was a complete idiot. Especially Katrina the supervisor I finally got to talk to after being hung up on several times, trying to call over and over again just to pay my bill. I wasn't rude, I wasn't a jerk, i was just trying to get answers and pay my bill. The first month I tried paying my bill 3 times. All 3 times it came back telling me they couldn't find the account that their app has you link. And took off all of my bank accounts 1 by 1. She tells me no it doesn't have you link any accounts, they never received a payment from me, and tells me I never called before. Are you kidding me? I'm looking right at the app, I'm looking right at my account that they closed and still couldn't make a payment on without calling apparently but no where does it say that and calling to pay didn't do anything either. I have phone records of how many times I called. She was such a you know what I ended up in tears and she still told me don't believe my lying eyes on things I'm literally look right at. I am not stupid, I am not a jerk, I am not a liar! All I wanted to do was pay my bills on time. Both months ended up being late and she literally tells me there are no records of me doing anything or calling. Well the account is now closed, I took a huge hit on my credit and still got no where except for paying my bill. Beyond frustrating and demeaning. Do not use if you can help it. I did for credit points but ended up losing terribly.

I thought I was the only one developing a bad taste for paypal credit over the ways they conduct their business. I had a few issues before and tried to brush it off, however this time it's the final straw. I cleared all my balance straight after getting paid and money gone out of my bank account + overpaying by accident. I removed all my bank details off paypal credit as I know I dont owe them a penny anymore. Lo and behold, 14 days later I got an email saying I need to pay my balance + charges and it could affect my credit score. Agent couldnt provide a clear and consistent clarification as to what had happened and only mentioned payment has been bounced. Checked bank transactions and despite money leaving for paypal with +balance, all bounced back 14 days later. There and then I decided to close my paypal credit. They are the worse and there's no transparency and easy way of understading how they are managing the credit you took from them. It's certainly poor account management + deceitful way to run such a scam and they should be investigated.

Terrible...if you set up a credit agreement then you expect to have your payments taken as agreed, but not with PayPal credit.
I made a purchase using the interest free offer as I knew I'd get some money to pay off a big chunk of it so by the time the 4 months came I'd have it all cleared off. But no... PayPal decided to use the lump sum paid to pay off the smaller agreement plan that I had set up for 6-12 months. Not realising what happened as its not very clear, I now have less than 2 months to find the funds to pay off the bigger purchase.
This should not be allowed as we use credit as long as we can manage the payments, but when the company decides to allocate funds towards different balances as it suits them, then it messes us up financially.
I will be paying it off and then closing down the credit account. Does not make any sense to use it.

I was given a $5,200 credit limit, only for PayPal to reduce it to $3,600 after six months of on-time payments. My balance was $3,400, so by them doing this, my credit utilization will report at 95%, which is going to drastically hurt my credit. I was never late on a payment; I will never use PayPal again.

Very, very sneaky way of conducting business. I set up a credit agreement with them and they were supposed to take the money out of my bank account each month. They deliberately didn't take the money so they could hit me with late payment fees. They should have done this as they have now forced me into a corner and I will have to report them to the financial ombudsman. They are destroying their own reputation all for a few pounds. I won't allow them to break the rules like this.

Paypal Credit is a complete shambles, each time you speak to an advisor they give you a completely different explanation to what has happened, I will never take another paypal credit account! direct debits fail then you are penalised for the errors caused by paypal giving incorrect information, DO NOT USE PAYPAL CREDIT!!

If I could rate this zero stars, I absolutely would. I made some purchases using PayPal Credit and received emails stating, "Your online statement is available," but never once received a payment reminder. I always pay off my credit in full and on time—never just the minimum.

Out of the blue, I started getting alerts on my phone and via email saying my payment was overdue and that I’d been charged interest. Again, no prior reminder.

When I finally got through to their so-called customer service (after battling with the chatbot), I received a generic, copy-pasted response from their terms and conditions—which made no sense at all. When I asked for clarification, they claimed interest was charged because I missed the minimum payment in March. Once again, I reminded them that I never received any notification. They insisted I had—I absolutely had not.

I’ve now paid it off in full and will be sticking with more transparent and respectful companies like Klarna or ClearPay for any future credit needs.

I wish I went through the review before signing up for the 6 months installments payment. It's being a nightmare.. Total regret. Staff has zero knowledge or empathy. PLEASE DO NOT SIGN UP WITH PAYPAL CREDIT

Without warning or explanation, £288 was taken from my account. When I called customer service, they refused to explain the charge and told me to “read the statement myself.” When I pushed for answers, they abruptly ended the call.

This is not a one-off the same thing happened to my neighbor. PayPal is taking money without consent or transparency. This is theft, plain and simple. I’m closing my account and urging others to do the same. We need to speak out before more people are affected.

Did not get some goods from a vendor opened a case they rejected it so I have paid for goods I dont have !!!

Order #201669305 from getthelabel via PayPal

The worst financial decision I made was using PayPal Credit. The lack of real-time banking means that arranged payments take a day to clear. If you’re on a tight budget, this could lead to bounced payments and a £12 late payment fee. My credit score has been negatively affected by these late payments. I recently managed to pay off the entire balance and close the account. I strongly advise against using it.

PayPal Credit is awful. The 6 month interest free is great but ultimately don't fall for an account with them. They closed my account and since its a Synchrony account, they closed all synchrony accounts, Mastercard, Amazon, Etc. Which made up a very large part of my credit limit and history.

It started when I made a payment, and then decided to cancel it as I need to move some money around first and wanted to assure it would cleared. Well it turns out it was never canceled, the bank notified me of the attempt 2 day later. I had went a step further the day of cancelling because of the payment amount, I reached out to support and they assured me it is canceled and I also have a confirmation email of the cancellation, I wish I had recorded the chat transcript but Im sure they have it somewhere. I was also weeks before my due date for a minimum payment.

Well after this, they closed all the accounts. I would understand if it was past due or something.

Because they had did this, I decided to not pay it off yet, because now I lost the majority of my credit line, and I would of been in a pinch if a emergency arises which is has and I'm glad I waited. I have been reaching out 2-3 times a month for 3-4 months now to setup a payment plan and they refuse every time, without any reasoning. I will continue to apply for a payment plan until they accept some kind of agreement. It will likely go to collections and IM sure I can do a payment plan with them. Just frustrating. You would of been paid if you didn't eliminate my credit line out of the blue!

Feel free to reach out if you would like to work with me so I can start making payments again!