How to dispute a charge at PayPal
PayPal gives cardholders 180 days from the statement date to file a dispute. PayPal typically resolves disputes within 21 business days of filing. A complete, well-documented letter gives the investigator everything they need to decide quickly.
Dispute windows
Debit card vs credit card protections
Debit card (Reg E)
PayPal uses its own Purchase Protection (180 days)
Credit card (Reg Z)
PayPal Credit: 60 days
How to file at PayPal
- 01Online: paypal.com Resolution Center
- 02Phone: 1-888-221-1161
CFPB complaint data
The CFPB received 9,911 complaints about PayPal in the past 12 months. 35% were closed with monetary or non-monetary relief. The most common issues:
- Unauthorized transactions or other transaction problem1,894
- Trouble accessing funds in your mobile or digital wallet1,734
- Fraud or scam1,401
Data from the Consumer Financial Protection Bureau complaint database. Updated daily.
Generate your PayPal dispute letter
Select your dispute type and we'll generate a personalized letter, pre-filled with PayPal-specific submission instructions and your deadline.
Select your dispute type: