I’ve been a PayPal user for years, but my recent experience has completely destroyed my confidence in their service. An unauthorized transaction appeared on my account for a digital item from a merchant I have never used and have no account with. I reported it immediately, removed all payment methods, and told PayPal clearly that it was not my purchase.Despite this, PayPal ignored my messages, refused to treat the payment as unauthorized, and even sent incorrect automated emails claiming they had charged a “backup credit card” that I do not have. I had removed every funding source from my account, yet PayPal still processed the transaction and forced money out of my bank card.Their customer service gave contradictory information, closed my case without explanation, and refused to provide any meaningful support. The merchant also refused to help, and PayPal still sided with them without sharing any proof that I supposedly received anything.In the end, I had to open a dispute with my bank because PayPal failed to protect me, failed to investigate properly, and failed to stop an unauthorized charge — even after I warned them.PayPal’s Buyer Protection is unreliable, their system messages are inaccurate, and their support feels automated and dismissive. I expected security and trust. Instead, I got stress, lost money, and total disregard for my concerns.Extremely disappointing service. I will avoid using PayPal whenever possible from now on.
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PayPal Holdings Inc. is an American company operating a worldwide online payments system that supports online money transfers and serves as an electronic alternative to traditional paper methods like checks and money orders.