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

CFPB complaint data Grade D 1,644 complaints

Paypal Holdings, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 52 states, reputation grade D.

Complaints by issue type

What consumers report about Paypal Holdings, Inc

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #227

  • VOL 1,644
  • GRADE D
  • 12MO 210
  • STATES 52
  • TIMELY 100%
  • DISPUTE 16%
  • ISSUE Attempts to collect debt n…
  • RANK #111
  • COMPOSE #227

Volume peers

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

Monterey Financial Services LLCMonterey Financial Services …1,629United Collection Bureau, Inc.United Collection Bureau, In…1,644Paypal Holdings, Inc (this)Paypal Holdings, Inc (this)1,644Exeter Finance, LLC.Exeter Finance, LLC.1,646Enova International, Inc.Enova International, Inc.1,655
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 →

How the 1,644 complaints break down

Every complaint issue type on record for Paypal Holdings, Inc, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
53.5/100
Paypal Holdings, Inc

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
1,644
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
16%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#111 volume
#227 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Paypal Holdings, Inc a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 80%85%90%95%100%105% 5%10%15%20%25%30% Timely response rate (%) Dispute rate (%) Paypal Holdings, Inc vs. 10 similar-volume peers, by response speed and dispute rate Paypal Holdings, IncUnited Collection Bureau, Inc.Exeter Finance, LLC.ENOVA INTERNATIONAL, INC.Monterey Financial Services LLCReceivables Management Partners, LLCThe Bureaus, Inc.TekCollect Inc.Dynamic Recovery Solutions, LLCCURO Intermediate HoldingsProfessional Debt Mediation, Inc.
Source: CFPB Consumer Complaint Database

Paypal Holdings, Inc's complaint volume in context

Paypal Holdings, Inc vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

1,644 Top 2% higher than 98% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Paypal Holdings, Inc 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against Paypal Holdings, Inc

Across 52 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.