What is the most common complaint against Paypal Holdings, Inc?

The most common issue consumers report about Paypal Holdings, Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,644 complaints filed with the CFPB.

Are complaints against Paypal Holdings, Inc increasing or decreasing?

Complaints against Paypal Holdings, Inc are falling. The company received 210 complaints in the last 12 months, showing improvement over prior periods.

What is Paypal Holdings, Inc's reputation grade?

Paypal Holdings, Inc has a reputation grade of D (score: 53.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Paypal Holdings, Inc respond to consumer complaints?

Paypal Holdings, Inc has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 16% of cases.

In how many states does Paypal Holdings, Inc operate?

Paypal Holdings, Inc has received CFPB complaints from consumers in 52 states, with the most complaints from California (258 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Paypal Holdings, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 52 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

923
Cont'd attempts collect debt not owed

190
False statements or representation

132
Written notification about debt

116
Communication tactics

114
Took or threatened to take negative or legal action

59

Data updated September 2026

CFPB complaint disposition

CCDB record paypal-holdings-inc Paypal Holdings, Inc

Grade D · 1,644 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #111 · compose #3644

VOL 1,644
GRADE D
12MO 210
STATES 52
TIMELY 100%
DISPUTE 16%
ISSUE Attempts to collect debt n…
RANK #111
COMPOSE #3,644

Volume peers

Nearest volume peer: United Collection Bureau, Inc. (1,644 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Paypal Holdings, Inc's 1,644 CFPB complaints sit next to United Collection Bureau, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

California is the plurality state for Paypal Holdings, Inc (15.7%)

Volume rank #111 and composite rank #3,644 diverge by 3,533 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: California 15.7%; Mid-band (15–30%) · 52 states with ≥1 filing
Seasonal peak: 2025-12 11.8%; 8–15% band · 9 filings
Divergent corpus ranks: #111 volume; #3,644 composite; Cleanest-composite ladder is 3,533 places worse than volume

How does Paypal Holdings, Inc compare to its peers?

How does Paypal Holdings, Inc compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Paypal Holdings, Inc National average

Complaints (last 12 mo)lower is better

210

396

268

Timely-response ratehigher is better

100%

99%

91%

Consumer-dispute ratelower is better

16%

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-01 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	923
Cont'd attempts collect debt not owed	190
False statements or representation	132
Written notification about debt	116
Communication tactics	114
Took or threatened to take negative or legal action	59
Electronic communications	48
Improper contact or sharing of info	27
Disclosure verification of debt	19
Threatened to contact someone or share information improperly	12

Where do complaints against Paypal Holdings, Inc come from?

Paypal Holdings, Inc's own per-state count, not a national baseline.

California

258
Florida

138
Texas

104
New York

100
Illinois

69
Ohio

63
Pennsylvania

58
New Jersey

55

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Paypal Holdings, Inc: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 1,644.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.62570180910792%.

4 peers

Know your rights before responding to Paypal Holdings, Inc: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.