Consumer complaint received 2023-06-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To : SYNCHRONY BANK XXXX XXXX XXXX XXXX, PA XXXX CC : SYNCHRONY BANK/PayPal Credit XXXX XXXX XXXX XXXX, PA XXXX XXXX : Consumer Financial Protection Bureau XX/XX/XXXX ADDITONAL INFORMATION REQUEST TO COMMENCE DISPUTE WITH PAYPAL During the first call placed with Paypal on XX/XX/XXXX to dispute the XXXX payment of {$100.00}, Paypal representative told me that I need to speak to a representative with Synchrony bank, to authorize the refund requested on the Second payment of {$100.00} made on XX/XX/XXXX. The representative told me that I would receive a {$100.00} refund by check within 15 days. 
Since the 15 days have passed and I have not received the refund a made a second call XX/XX/XXXX to Paypal. The representative told me that it appears that the refund has not been send and ask me if I would prefer to have {$100.00} moved to XX/XX/XXXX payment, to which I agreed. 
To my very unpleasant surprise I was bombarded again with harassing email messages, why I am not making payment on XX/XX/XXXX. 
I waited to see if the credit is being applied until XX/XX/XXXX when I called for third time and requested to speak with a supervisor. The person introduced themselves as XXXX - supervisor, and upon review of the account told me that the {$100.00} payment will be posted on my XXXX statement. Reassured me that late fees will be waived and asked me to pay {$25.00} to close the billing period for XX/XX/XXXX. I paid the {$25.00} immediately. 
On XX/XX/XXXX I made XXXX follow up call since I was getting messages about late payments and balance due. Your agent, introduces themselves as XXXX, assured me that she reviewed the account and has created case # XXXX to which I should refer if any more problems arise, and assured me that I would not be receiving anymore notices. Notices did not stop!!! As a matter of fact I received a formal letter on XX/XX/XXXX to collect debt! 1 I called immediately back, XXXX TIME. The first Paypal agent XXXX, on my request to speak with a supervisor disconnected the call!!! I called immediately back and agent Al, transferred me to Synchrony Bank allegedly, where I spoke with XXXX -account XXXX, extremely rude and unpleasant person, who at the end of the conversation agreed to issue a refund on the {$100.00} and told me that it will take XXXX days to receive the check. 

Your email sent on XX/XX/XXXX, requesting additional information to understand what I am disputing, clearly indicated that I can send my reply via attachment on my Paypal account!!!! SURPRISE SURPRISE!!! NO SUCH FEATURE! 
I called to resolve the issue with the attachment on XX/XX/XXXX first agent XXXX, transferred me AGENT XXXX for technical support. This agent stated they could not assist me and stated will transfer me to someone who will!!! GIVE A WILD GUESS WHAT HAPPENED! I GOT DISCONNECTED YET AGAIN!!!! 
I have been nothing but an exemplary customer, never late on my payments over the duration of this account. Paypal and their representatives for the last 2 months have used every single intimidation, predatory method to harass me repeatedly!!!! YET NEVER COULD RESOLVE A SIMPLE ISSUE to apply the {$100.00} extorted from to a future payment!!!! PayPal and Synchrony Banks representatives have caused me undue stress, XXXX XXXX XXXX, XXXX XXXX, loss of time and all that because I want my overpayment of {$100.00}, made under unwarranted pressure from XXXX, to be applied as I INTEND TO BE APPLIED!!! 
At this point whether you send me my refund and waive the late fees will not suffice all the wrong done. Enough is enough!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief