American Express vs Xoom, A PayPal Service: most-reported complaints compared
Most-reported issues at American Express and Xoom, A PayPal Service, according to reviewers on Trustpilot — classified by our automated reader and backed by verbatim quotes from distinct reviews. This is a side-by-side of what reviewers report, not a score, rating or recommendation for either company.
American Express
TrustScore 1.3 · 913 reviews on Trustpilot.
182 reviews analysed, 2025-11-28 to 2026-09-23.
Complaint rate (recent window): 93%
0% of negative reviews get a company reply.
“It took 3 months, hours of complaints and a complaint to the ombudsman to resolve.”
Xoom, A PayPal Service
TrustScore 4.6 · 207,904 reviews on Trustpilot.
3,214 reviews analysed, 2026-05-17 to 2026-09-27.
Complaint rate (recent window): 7%
16% of negative reviews get a company reply.
“$4.99 - Transaction Fee is too much”
Reported on both
Issues with an evidenced category (at least two verbatim quotes) on both sides.
| Issue | American Express | Xoom, A PayPal Service |
|---|---|---|
| Support unhelpful | 47% | 7% |
| Account/app problems | 22% | 18% |
| Support unreachable | 16% | 6% |
| Billing errors | 13% | 13% |
| Overcharging | 6% | 31% |
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. Figures are census classifications, not official statistics, and reflect what reviewers reported — not findings of wrongdoing by either company. Not affiliated with, endorsed by, or sponsored by Trustpilot A/S, American Express or Xoom, A PayPal Service.