Would give a -10 Stars. Worse company ever. Use to be a good place to do your money and banking but not no more. I have been with PayPal for over 16 years. I changed my phone #over 12 hours ago and since then have froze my account due to security and verification.. Even though I use a fingerprint ID to verify myself they have sent me a text message to verify my phone # still froze account and cannot fix it I have to wait before I can even do anything with my account. Completely ridiculous.