For those of you who are first time visitors to, the information you are about to read is 100% TRUE.

For over 8 years has been assisting the public in making an informed decision about using PayPal.  Every day, thousands of upset paypal users from all over the world visit seeking answers to questions like how to get involved in class action lawsuits, why PayPal froze their funds, why PayPal withdrew money directly from their paypal or bank account, why PayPal is holding their money for 6 months or longer and the list goes on and on.

For those of you who donít know this,
PAYPAL IS NOT A BANK.   It is officially classified as a "Money Service". Therefore, PayPal does not have to follow Federal Banking Guidelines.  These guidelines are in placed to help protect an individual's bank account from being frozen without warning, explanation, or recourse, for months at a time. Sadly, PayPal continues to do just that, to thousands of PayPal accounts, every month.  

We currently have over 63,000 registered members who have documented countless thousands of complaints on this website. We even have stories from Ex PayPal Employees and Managers who resigned because of PayPalís business practices, as well as thousands of detailed horror stories posted all over our website about people being Robbed, Abused, Unfairly Treated, Lied To And Cheated By Paypal

Every day we receive tons of emails from people who thought they could trust PayPal with their business only to discover, as so many before them already have, that there account has been limited and their
funds frozen, money held, or money pulled right out of their account. These people placed their trust and livelihood in PayPal's hands only to be told that their accounts have been locked indefinitely without appeal. 

Explaining your version of what happened, in most cases seems to
make no difference. PayPal can refuse to provide you with detailed information from their investigation and does not have to disclose documents they relied upon to make their decisions. 

You can expect to wait
AT LEAST 6 MONTHS before you see your money again. In some cases, the wait time can EXCEED 6 MONTHS and run into a shady Grey area, where "NEVER" Seems To Be A More Realistic Time-Frame.

People who complain about it have reported experiencing
terrible Customer Service including extra long hold times, delays, and dead-end auto-responder e-mails like this one:

[Thank you for contacting PayPal. We apologize for the delay in responding to your service request.

After review, the decision has been made to keep your account locked. This decision cannot be appealed.

If you have any further questions, please reply to this email.]

Press them a bit harder and you may convince them to do an investigation. However, don't count on PayPal considering your side of the story in the investigation. Just consider this an easy way to Blow You Off And Get You Off The Phone.

PayPal is no stranger to complaints
. According to the San Francisco Chronicle, there are approx. 100,000 COMPLAINTS OUTSTANDING AT PAYPAL. In many instances disputes can run on for months leaving people frustrated and out of pocket as they are unable to access their accounts.

But Why would Paypal want to routinely freeze the funds of their merchants as a part of their core business model?

Here is a clip from the San Francisco Chronicle that basically sums it up:

U.S. District Judge Jeremy Fogel of San Jose refused to dismiss a lawsuit that seeks class-action status on behalf of thousands of PayPal customers nationwide. A common allegation is that the company brushes off or stalls customer grievances for months and meanwhile freezes the customer's account and pockets the interest (So that's how they make their money!). No wonder they freeze so many accounts!

When you open a paypal account, you agree to allow PayPal to play Judge, Jury and Executioner in every dispute situation. Your money is taken from a customerís credit card, or paypal account, and transferred into a paypal account, not your bank account.

Make No mistake about it: PayPal profits handsomely, earning interest on the millions of dollars left sitting inside thousands of frozen paypal accounts.

So What Can You Do To Protect Yourself?

Well, for starters, we recommend avoiding PayPal at all cost. If you're interested in a service that is compatible with eBay and can also be used on any website, we have been recommending the same company for the past several years and have received outstanding reviews from our visitors.  
Click Here To View

 Our forums are filled with thousands of people whose lives were ruined by PayPal (And these are only the ones that decided to post their stories or problems online).

And if thatís not enough to help you make your decision,
watch this CBS news clip.

Since was created, our goal has always been to assist the public on making an informed decision about using PayPal. We sincerely hope the information weíve provided has helped and we wish you the best of success with your business.