Money transfer, virtual currency
PayPal: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 1,046
- Closed with money back
- 15%
- 2023 to 2025
- 246 to 532
Servicemembers filed 6.8% of PayPal's 15,389 complaints in the window, against 2.5% across the directory. The complaints are mostly about money transfer, virtual currency, or money service, and the single most common issue is "Unauthorized transactions or other transaction problem". 15% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 246 in 2023 to 532 in 2025.
What the complaints are about
By product
| Money transfer, virtual currency, or money service | 719 |
| Checking or savings account | 146 |
| Credit card | 53 |
| Debt collection | 44 |
| Prepaid card | 30 |
By issue
| Unauthorized transactions or other transaction problem | 163 |
| Fraud or scam | 162 |
| Trouble accessing funds in your mobile or digital wallet | 143 |
| Managing an account | 104 |
| Other transaction problem | 84 |
| 2023: 246 | 2024: 268 | 2025: 532 |
Which accounts, specifically
| Mobile or digital wallet | 596 |
| Domestic (US) money transfer | 146 |
| Checking account | 109 |
| General-purpose credit card or charge card | 105 |
| Virtual currency | 99 |
What went wrong, specifically
| Deposits and withdrawals | 51 |
| Credit card company isn't resolving a dispute about a purchase on your statement | 46 |
| Transaction was not authorized | 25 |
| Problem using a debit or ATM card | 25 |
| Card was charged for something you did not purchase with the card | 20 |
Busiest month: December 2025, with 77 servicemember complaints. Most were submitted by web.
Most complaints came from CA (98), TX (84), FL (71) , then VA, NY, GA.
How PayPal answered
| Closed with explanation | 688 | 66% |
| Closed with non-monetary relief | 199 | 19% |
| Closed with monetary relief | 159 | 15% |
PayPal responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Checking or savings account; Problem with a lender or other company charging your account. GA, 2024-09-03. Outcome: Closed with explanation. Complaint 9988460
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Money transfer, virtual currency, or money service; Trouble accessing funds in your mobile or digital wallet. AZ, 2024-08-29. Outcome: Closed with explanation. Complaint 9985637
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Money transfer, virtual currency, or money service; Unauthorized transactions or other transaction problem. OK, 2024-08-29. Outcome: Closed with explanation. Complaint 9960171
If this is your problem at PayPal
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with money transfer, virtual currency peers
- Early Warning Services 1,362 servicemember complaints; 0% with money back
- Block (Cash App) 2,914 servicemember complaints; 0% with money back
- Robinhood Markets 244 servicemember complaints; 0% with money back
- Coinbase 198 servicemember complaints; 19% with money back
- Foris Dax 59 servicemember complaints; 1 with money back
Next in the directory by volume: Ally Financial, U.S. Bank, Mr. Cooper.
Frequently asked questions
How many complaints did servicemembers file against PayPal?
1,046 complaints tagged servicemember were received by the CFPB about Paypal Holdings, Inc between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 246 in 2023 to 532 in 2025.
What do servicemembers complain about most at PayPal?
Money transfer, virtual currency, or money service accounts for 719 of the 1,046 complaints, and the most common issue is "Unauthorized transactions or other transaction problem" (163). Next: "Fraud or scam" (162).
Does PayPal give money back when a servicemember complains?
15% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 199 closed with non-monetary relief and 688 closed with an explanation only. PayPal answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.