Product & Service Complaints	3, 575
Billing & Collection Complaints	1, 643
Advertising & Sales Complaints	281
Guarantee & Warranty Complaints	186
Delivery Complaints	124

Since PayPal Here is an app created by PayPal, there is no Better Business Bureau report specifically for PayPal Here. The BBB report for PayPal, however, shows accreditation and an “A+” rating despite having 5, 809 complaints filed in the last 36 months. Of the complaints, 3, 575 are related to problems with the service, 1, 643 with billing and collection, 281 with advertising and sales issues, and 310 with other issues. PayPal has resolved 2, 098 complaints to the merchants’ satisfaction, while 3, 713 complaints either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant.The BBB justifies the company’s high rating with the length of time PayPal has been in business, the complaint volume versus PayPal’s size, the company’s response to complaints, the rate of resolution of those complaints, and the fact that the BBB has sufficient background information on PayPal. The CPO-adjusted BBB rating for PayPal is a “C” as of this update, but since PayPal here is only one aspect of the company’s service, we will split the difference and adjust the BBB’s rating to a “B” in this case.