Consumer complaint received 2023-12-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
PayPal Fraudulently opened a checking and savings account in my name without my consent. I notified PayPal and PayPal instead of conducting a proper investigation. PayPal falsely accused me. All charges on this account or accounts are fraudulent. The IP address used to login to the account doesnt match my IP address, the email address used to register the account doesnt match my email address. I never applied for any accounts with PayPal. I did not sign an application and I never confirmed the application. PayPal stated XXXX was used to open said accounts. Thats not my email address. That doesnt match my records either. Subsequently PayPal advised they sent a debit card to my address. Ive never received a debit card from this company, nor have I received nor accepted any of their terms or conditions. Paypal also stated and falsely accused me of them emailing this email address, thats not my email and I dont know whose it is. I do have extended fraud victim alerts on all my credit files and PayPal chose to ignore those when opening this account. PayPal subsequently charged this account and transferred to bank accounts they couldnt verify. None of the accounts they provided match my information. Subsequently if they attempted to verify those accounts they too were closed due to fraud. PayPal refuses to acknowledge their own mistakes. PayPal has continued to respond to this email address that doesnt match my complaint either. Im not sure whom they are reaching out to but its not me. Again PayPal says they verified with this fraudulent email address that the account was authorized. Whos email address is this they provided? PayPal charged and acknowledged they made charges to this prepaid debit account, and subsequently a savings account. Im not responsible for debt I did not obtain. PayPal attempted to fraudulently collect this debt without actually validating the application for the account. They sent emails to this fraudster by email. They transferred funds to the fraudster. I checked with USPS postal inspector and Ive never received nor activated any debit cards for this company. All charges, all disputes and all account activity are fraudulent. The entire application to PayPal is fraudulent. I did not sign any applications and I checked my public records none of my information matches what PayPal has stated. PayPal refused to conduct a proper investigation. I will not pay their debt and Ill be more than happy to take this to legal matters. If necessary. At the time of court I will prove the identity fraud PayPal conducted and I will continue to dispute this debt which PayPal falsely accuses me of. PayPal is not conducting business to follow proper Fair Billing practices. When a debt is fraud they should handle it as such. I have asked for this account to be closed and all accounts associated this email address PayPal has listed is not my email address and subsequently I will not take responsibility for these charges. PayPal has been sent a legal copy of the FTC Identity Theft Affidavit which lists this email address. Lastly PayPal should not falsely accuse someone without providing proof of the accusations.

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 explanation