Xoom, A PayPal Service: most-reported complaints
Automated analysis of 3,214 public Trustpilot reviews published 2026-05-17 to 2026-09-27. TrustScore 4.6 from 207,904 total reviews — see the Trustpilot page. Quick answer: is Xoom, A PayPal Service legit? Issues below reflect what reviewers reported, not findings of wrongdoing.
Across 3214 Trustpilot reviews analysed, the most-reported issues with Xoom, A PayPal Service were: Overcharging (222 reports), Other (141 reports), Account/app problems (124 reports).
How to reach Xoom, A PayPal Service
These are the contact details Xoom, A PayPal Service publishes on its Trustpilot profile, as of our last check on 2026-09-27 — phone (877) 815-1531, address 425 Market St., San Francisco, 94105, US.
The company claimed its Trustpilot profile on 2014-10-01, uses Trustpilot’s paid features, uses Trustpilot’s AI-assisted replies, and last replied to a negative review on 2026-09-25. Trustpilot ranks it 8 of 30 in Money Transfer Service. We last checked this profile on 2026-09-27 and found 200 new reviews. These are facts Trustpilot publishes about the profile, as of our last harvest.
Elsewhere: 4.7★ App Store (12,080)
TrustScore over time
4.6 → 4.6 across 13 census measurements since 2026-08-17. Our own record, independent of Trustpilot’s display.
Reply behaviour over time
Solid: % of negative reviews replied to. Dashed: typical days to reply. Both as reported on this company’s Trustpilot profile, recorded whenever our census re-checked it and a figure had changed — the gaps between points are not equal: 2026-08-20 (24%, 0.5d) · 2026-08-23 (24%, 0.5d) · 2026-08-26 (24%, 0.5d) · 2026-09-01 (16%, 0.5d) · 2026-09-04 (16%, 0.5d) · 2026-09-07 (16%, 0.5d) · 2026-09-10 (16%, 0.5d) · 2026-09-13 (16%, 0.5d) · 2026-09-16 (16%, 0.5d) · 2026-09-20 (16%, 0.5d) · 2026-09-23 (16%, 0.5d) · 2026-09-27 (16%, 0.5d).
Severity: 12% of this company’s 706 graded complaints were classified as severe (money lost, an essential service cut off, or a problem unresolved for months). See the harm index.
Reviewers here waited a median of 1.0 days between the experience and publishing their negative review (881 reviews record both dates).
US federal complaint record
The Consumer Financial Protection Bureau records 294 complaints against Xoom, A PayPal Service — most often other transaction problem (77), money was not available when promised (72), fraud or scam (47). see the CFPB database
Most-complained-about products: money transfer, virtual currency, or money service (235), money transfers (39), debt collection (7).
98% of complaints received a company response within the CFPB’s timeliness standard. Closed as: closed with explanation (208), closed with monetary relief (52), closed with non-monetary relief (34).
Official US federal complaint records, separate from our review analysis.
Reply quality: of 20 company replies to negative reviews analysed, 15% engaged with the specific problem and 85% were generic templates.
What employees say
Employees rate Xoom, A PayPal Service 3.6★ overall from 9,703 reviews on Glassdoor — the inside view, kept separate from customer complaint statistics. Read the reviews there.
26% of its 2284 recent 5★ reviews came from accounts that had written only that one review when we captured it (the median across companies is about 39%). A high share is a reason to look closer, not evidence of fake reviews.
Sector benchmark: overcharging makes up 31% of this company’s complaints vs a 12% median across 105 ranked companies in its sector.
Review velocity: 95,167 of this company’s 207,904 Trustpilot reviews (46%) were written in the last 12 months.
What are the most common complaints about Xoom, A PayPal Service?
Overcharging
222 reports · 31% of complaintsfalling“$4.99 - Transaction Fee is too much”
1 reader marked this review helpful on Trustpilot.
“You are charging me to transfer my money this is illegal”
“Your feels have tripled.”
Other
141 reports · 20% of complaintssteady“the money is nowhere but they said it will take maximum 30mins”
“My money being held up at caribe express....I had to borrow money to pay my bills”
“Money did not arrive”
Account/app problems
124 reports · 18% of complaintssteady“They would not allow me to login back in”
1 reader marked this review helpful on Trustpilot.
“The OTP codes hardly arrive on time; when they do, I’ve been sent back to the log-in page all over again.”
1 reader marked this review helpful on Trustpilot.
“couldn't find the cancel button for this transaction not even 2 minutes after I hit send”
Billing errors
89 reports · 13% of complaintsrising since 2026-09“My payment not receive”
1 reader marked this review helpful on Trustpilot.
“you took money from my bank account and sent it to the same you took it from making me pay 1.99€ fee for NOTHING.”
1 reader marked this review helpful on Trustpilot.
“send money, these time said complete on both ends. It never when to destination..”
Support unhelpful
50 reports · 7% of complaintsrising since 2026-09“Transaction cancelled with only generic reason, not the specific reason, Which doesn’t give no me enough Information”
1 reader marked this review helpful on Trustpilot.
“your compliance blocked the option to send funds to my own account”
1 reader marked this review helpful on Trustpilot.
“they failed again according to them the money was deposited but show no proof of it.”
Support unreachable
43 reports · 6% of complaintssteady“They would not allow me to login back in”
1 reader marked this review helpful on Trustpilot.
“It is now Sept 16th and I still have not received my money.”
“You can’t contact them and money never sent over even”
Compare Xoom, A PayPal Service with…
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Trends are computed from dated review counts only. Negative reviews are deliberately over-sampled for evidence depth; headline percentages use an unbiased recent sample only. Report updated 2026-09-27.