PayPal Avaliações 207

Absolutely the most confusing credit service possible. Statements are impossible to understand. They claim you can have interest-free credit but slap you with all sorts of fees that do not make sense. The worst is when I tried to make payment, there are repeatedly errors on Paypal's end causing my payments to be late. Absolutely frustrating and I want nothing to do with Paypal Credit anymore.

Disgusting service

Buyers beware. I was expecting to be covered by PayPal's buyer protection on a dispute regarding a defective item but PayPal decided in the seller's favour, despite me showing proof of the item being defective.
Their partial refund claim is a joke, as somehow their terrible customer service still expects you to return the item and get a partial refund only. Terrible service and no buyer protection. Cannot wait to close my account and never use PayPal for any transactions, not no mention for PayPal credit.

I recently purchased an item with an agreed 0% Apr 30 month repayment for a phone, first month repayment came out no problem, second month apparently my debit card wasn't set up for payment, got charged a £12 late payment fee, called up and luckily got the payment fee back because I had already set it up and they knew this by looking at the computer their side, furthermore I decided I'll just pay it off in full because I can't trust PayPal credit, come to a month later and I'm charged 4p as I guess an early settlement fee which they don't even state, so basically don't bother with PayPal credit they are a dirty company and just want to screw people.

Wish i had read the reviews first.
Not looking forward to phone calls tomorrow

The worst company in history they are so difficult to get hold of three months of back-and-forth still not any resolution at all. I can’t take any more stress. It started off where I put stupidly something on PayPal credit even though I had the money in the bank, so I decided to pay it off straight away They refused my direct debit charged me interest so I tried to pay it off again with my card they refused my card charged me interest but charged me in USD even though I live in the UK finally got round to talking to someone paid it all off then they left me owe in USD Which was like 9p so I got charged interest on that so I paid that off thought it was all resolved then I went to buy something this week for some reason it’s been put on PayPal credit so yet again I thought I would pay it off and look how low and behold they’ve denied my direct debit. They’ve denied my card payment and I am now back to square one arguing with them and having to put a formal complaint in because it’s going to affect my credit when I have no problems paying it off it’s just that they’re refusing and denying my bank transfers my bank Direct debit or my card payments I couldn’t pay it off if I wanted to! Even speaking to a customer service is pretty much useless. You just go round and round in circles because they don’t understand what you’re trying to explain. They don’t realise how much they are buggered up my account in the last four months.

Agreements are agreed to when you buy things like splitting the payment into 3 or even 24 installments but they don't stick with this, terrible customer service and ultimately so confusing. Was meant to pay about 30 a month for 2 years but then they tried charging me more than 3 installments in one month and when I called to see what was going on they couldn't give me an answer at all. They are useless don't go there and there interest rate are crazy so yeah avoid at all cost

Worst Customer Service in The Industry
I am helping a client settle a past due account. On Dec 30th 2 different agents offered the same amount. They both said they would fax the settlement letter and the faxes never came. They also said a paper letter would be mailed which never arrived.

Now that we called to actually pay the agreed upon amount, they are asking for more by 30%.

They keep putting us on hold and never coming back.

Paypal is as shady as can be. Never ever will I have a Paypal account. Shady and unlawful.

Warning! Never open a PayPal business account or never link the PayPal app to your website!

Extremely bad experience with the PayPal payment app. on our websites! Payments are held for 21 days and the fee for their wake. "services" is extremely high!

Opening a business account was an absolute disaster, I spent 4 weeks trying to open a business account, everything went wrong! No mutual communication between the help centers, you are really asked to do everything about the information that your company requires you to provide. Ultimately, I also requested a completely incomprehensible fatca statement, which can actually only be completed by your accountant, but I was unable to get the fatca approved despite several attempts.

Software in the app. is hopeless, many parts do not function, for example uploading company data and there is no notification whether this is successful or not, you just have to guess.

Finally, after 4.5 weeks of attempts, I stopped and closed the account. Paypal is really outdated, hopelessly bad, even 1 star is still considerably too much! Advice: never start!! There are much better payment apps around! I have deleted all my paypal payment apps on my website, stay far away from them!!

Direct debit failed every month, about 6 months, each time I was calling and asking what the reason. They were saying this is rejected by my bank, well.. what the reason why they have rejected? They couldn't tell me. So I contacted the bank, they checked and told me that Direct Debit wasn't even requested from my account and told me to provide from PayPal confirmation what the reason Bank has given when rejected Direct Debit. PayPal couldn't give this.
I have asked PayPal to review my interest rate in this case and reduce my interest rate as service is so poor, and I have spent so much time sorting it out. Where the operator told me this is what I have signed for. No comment, I didn't sign for poor service and customer care.
If I didn't see that Direct Debit is not coming out from my account, this will affect my credit score. Wow, this is best what they can do

Shocking waste of time , they set up a direct debit over the phone used a old account which should of been taken off there system that I haven’t got access to anymore and blamed myself for there mistake ,given wrong information and transferred to different departments that I needed to go to , how this company getting away with these services, then got refused putting a complaint in , well know to the Financial ombudsman

I used PayPal credit for one payment which was the biggest mistake of my life. I made first payment and set up a direct debit on the same day which i have email confirmation. Paypal fails to notify regarding the up coming payment and fail to withdraw minimum payment even though i had more then enough money in account. I logged in to check if they took the money or not, it was two days over, payment was due on 1st and i checked it on 3rd, and they didn’t take the payment so i cleared whole balance in one go. Paypal reports and missed payment to credit agency and i get notification from them, my credit score drops down from 966 to 600. I called PayPal, but they have extremely rude staff he acts like a God, his tune was so unacceptable and blaming me, and saying i am lying about direct debit even i have confirmation email from them, i raised complaint but they refused to remove missed payment even i did not miss any payment, i paid in full even before the agreed time because their system failed. I spoke so so many people on forums almost everyone had same experience. I don’t understand how can FCA allow this type of illegal activity, they failed to comply their legal obligations of direct debit and failed to notify prior to payment due date and misuse of power to jeopardise people credit record. I would be filling a suit against them, following petition to ban them. Avoid avoid avoid them

Exceptionally confusing system.

If you have multiple items outstanding, its impossible to specify which ones you want to pay off.

Its a lottery as to which does get paid off.

Even worse if you clear all monies outstanding so your balance is zero - they will still charge you the amount on the previous months statement!

So if paying off early, like I did, make sure you pay off everything except the minimum amount shown on your last statement - as that will be taken anyway.

Then close your PayPal account and direct debits to avoid further payments being taken.

Worst credit system I've ever used.

I do not trust Paypal Credit , be warned the interest is very high and it quickly mounts up

Phoned paypal since my pay app is not working and requires documents to be sent. Asked the paypal agent to sort out my app and if I owe paypal any money since I have my credit on direct debt. Also it doesnt show on my account that I owe paypal. I was reassured that it was all paid for. Few days ago I look into my paypal app and still not working. Called them yesterday to find out that I still owe them £700. Shocking! Direct debts didn't go through and apparently after 90days you won't be able to see your debts online. The only way for you to know is to call paypal payment. No you cant pay it online or through bank. The only way to oay it is through calling them. I was then reassured that I don't have a time limit when to pay and guess what, I received an email stating that I should pay within 28days. I will be reporting this event to the financial ombudsman.

Awful service, all they are out to do is hide what you owe so they can charge you interest. Don't bother using their credit service as your debt will skyrocket. All these reviews as sadly TRUE!!
They present you with a total amount that can't be explained by their staff.

interface is rubbish, customer support in almost non existent, ai bot is dumb, incorrect charging - what can i say - big disappointment with PayPal credit

**UPDATE** Since contacting PayPal support, I am happy to say that they confirmed my missed Direct Debit payment has not impacted my credit history as their initial letter had suggested. What's more, PayPal refunded the £12 late fee to my account.
This is a satisfactory outcome. As such, I have adjusted my review from 1 star to 3 starts.
The reason it remains at 3 stars is because the Direct Debit I had set up did not initiate a payment, which caused this issue. I still would not use Pay Pal Credit again as I cannot trust that the Direct Debit will work.
**ORIGINAL**
Avoid – there are no warnings for a missed payment, just an instant default notification that affects your credit score.
I bought a phone with PayPal credit and set up a Direct Debit on their portal. The Direct Debit failed to initiate, which means that I missed the payment. Instead of issuing a notification, I just got a collections letter in the post.
I have since settled the entire outstanding amount and will never use them again.
If the reader chooses to use them, I strongly recommend making the payment manually or checking on the day that your payment was initiated.

Don't use never takes payments on the due date. It's was was set up to take regular payments on due dates. Contacted them to sort the problem out. They blame you not there systems. Stay Clear

Avoid. Have for 2 years and last 3 months are nightmare. Direct debit not going through and customer service just ignore problem.