Money transfers & apps

Money transfers & apps complaints Payment apps & money transfer services ranked

Consumers filed 33,229 complaints about payment apps & money transfer services in the last 12 months (-57% on the year before). Scams and fraud, frozen funds, transfers that never arrived, and accounts closed without warning. The most complained-about is PayPal.

Last 12 months: 33,229
Last 30 days: 1,917
Answered on time: 98.1%
Closed with relief: 16%
Money back: 8.5%
Companies: 945

Most complained-about payment apps & money transfer services

#	Company	12 months	Change	On time	Relief	All time
1	PayPal	9,055	+103%	100%	42%	30,324
2	Block (Cash App)	8,848	-78%	99.3%	0%	55,035
3	JPMorgan Chase	1,679	-8%	100%	5%	9,239
4	Chime	1,560	+9%	100%	5%	3,886
5	Wells Fargo	1,535	+9%	100%	8%	7,680
6	Bank of America	1,419	-3%	99.6%	21%	7,549
7	Early Warning Services (Zelle)	612	-97%	100%	0%	22,028
8	Western Union	595	+49%	100%	0%	4,657
9	Wise (TransferWise)	451	+32%	96%	13%	1,679
10	Citibank	411	+23%	100%	16%	2,209
11	Capital One	362	+13%	100%	7%	1,490
12	Remitly	312	+96%	99.7%	0%	1,047
13	Navy Federal Credit Union	307	+16%	100%	28%	1,074
14	TClub	304	new	13.2%	0%	310
15	Robinhood	295	-29%	94.6%	0%	1,075
16	MoneyGram	259	+25%	100%	25%	3,285
17	SoFi	250	+75%	100%	3%	429
18	PNC Bank	227	+4%	100%	9%	2,213
19	Truist	221	+12%	100%	10%	934
20	U.S. Bank	220	+26%	100%	11%	1,057
21	TD Bank	198	+38%	100%	34%	974
22	Meta Payments	192	+309%	100%	8%	254
23	USAA	148	+28%	100%	11%	753
24	Fifth Third Bank	114	+41%	100%	7%	458
25	Coinbase	112	-32%	98.2%	41%	2,716

Most likely to give relief

Least likely to give relief

Money transfers & apps complaints by month

2023202420252026

Latest full monthThis month so farPeak: 48,734 in January 2025

What people complain about

Money transfers & apps complaints by state

Per 100,000 people, last 12 monthsFewerMore

Your rights with payment apps & money transfer services

For international transfers the Remittance Rule gives you 180 days to report an error and a right to cancel within 30 minutes in most cases. Payment apps that hold money in an account are generally covered by Regulation E for unauthorized transfers - report them quickly and in writing. Payments you authorized yourself, even to a scammer, are much harder to get back.

Scam warning: Never send money to someone you only know online, to "yourself" at someone else's request, or to fix a problem with an account. Payment apps work like cash: once it's sent, it is usually gone.

General information, not legal advice; rules vary by state. Plain-English guides

Guides

Checking a companyHow to spot financial scamsThe warning signs of the most common money scams, and what to do right away if you have been scammed.8 min read Banking & paymentsPayment app scams and refunds: Zelle, Cash App, Venmo, PayPalWhat to do if you lose money on Zelle, Cash App, Venmo or PayPal, when the law requires a refund, and the scams to watch for.9 min read Filing a complaintHow to file a complaint against a bank or financial companyGather records, complain in writing, then escalate to the right regulator if the company does not fix it.8 min read Filing a complaintCompany response types explainedWhat each complaint response label means, why "closed" is not always "fixed", and how to read a company's record.7 min read

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Complaint records are public consumer complaints filed with U.S. regulators, checked 3 minutes ago (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works