PayPal - Pay, Send, Save

It used to be a great app, but they've made changes that suck. Now I've got money sitting in my account I can't use, they claim it's fees that weren't taken yet. I've had 2 disputes and they resolved against me. They took away instant transfers to your debit cards and bank. *As of Feb '26 it's been reinstated.* Had a money transfer that was returned to me, that I never got back and they blamed on the other party's bank, it had no part in it. And I've had money just disappear. from my account.

Okay, why is it that sometimes cash back rewards instantly calculate but other times it'll stay pending? I had one pending for three months, some for several days, while most of them clear within minutes. This is my only complaint. But, I do have a bunch of friends that stopped using PayPal. One because someone hacked and stole their money and PayPal didn't investigate it for them, an other because some reason money started disappearing off their linked bank card while they weren't using it....

I've been with PayPal quite a while. as an online bank they are ok. HOWEVER . they do not seem to honor the rewards program that they offer. they are supposed to pay 5% back to you on certain purchases. I chose groceries. and I have spent over $400 in the past two months and they have not added the rewards compensation. I have sent 9 e mails without response. so I called today and I have to wait 2 days on call back while they investigate! it should not be this hard to collect what they offer!

app doesn't work anymore. if you try to go to credit, it reloads for about 5 minutes and then says unavailable. this has been going on for weeks. According to PayPal, somehow their app is a bank issue and nothing to do with them. synchrony bank rightfully blames PayPal. seems like both sides know it's a problem but no one has a solution so until it's fixed I don't recommend using PayPal at all. you can't view or pay for your transactions right now.

I'm not sure what has happened, but my entire account is messed up. Transactions that never happened, no receipt for transactions that did happen. Crazy excuses to refuse moving money or accepting payments. Log in issues every single day! Asked to verify personal info over and over and over. constantly having to login to make any kind of money movement. Sickening.