Consumer complaint received 2021-08-11
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Every since I have been a customer of [ Schronony Bank ] Paypal I paid on the XXXX of the month due to my finances. I never received a letter from Paypal that my due date is changing. As a customer, I should have options on due date changes however Paypal never sent me an email or letter to my mailing address which I never opted out from any mailings from Pay pal. I never received a statement either. Because I filed complaints against Synchrony Bank and Paypal they are retaliating against me.

I called Pay Pal [ Synchrony Bank ] on XX/XX/2021 as I always pay my bill on the XXXX of every month suddenly Paypal changed my pay date from the 2nd without any notice to let customers aware, customer service apologized and I tape-recorded it.

When you call PayPal customer service they hang up and/or have poor customer service avoiding customers ' calls. Their website is hard to communicate because their chat states they are still learning and don't answer questions ( see attached ).

Reference # XXXX on XX/XX/2021 about the suddenly changed due date and late charges. The customer service apologizes and {$90.00} was left in my account. Then I add XXXX to my account from XXXX XXXX. Then the customer service Paypal changed my due date back to XX/XX/2021, the XXXX of every month. [ customer tape recorded ] Now Pay pal is putting unlawful interest on my account to make my payments late without prior knowledge changing the due date I had ever since I was with Paypal. They are doing this to benefit their business and to fraudulently mess up my credit as I complain in the past and they need to be investigated. By thousands of ratings against Pay pal and complaints online by many customers, I see how they are treating customers to enrich themselves by conducting these illegal activities.

I cant get on the Paypal website to review things as I hit the button it states, Bad Request ( See attached ). Then the summary statement doesnt work and doesnt have all information. I cant get any statements they dont mail it to me, or the website doesnt work either. I had to pay {$40.00} by calling pay pal due to the website issues. They don't show on the summary I paid an extra {$40.00} and they refuse to show me how much interest and payments they take out every month too ( see attached ). I never opted out from Pay pal sending me statements. But here are the statements to show I pay the XXXX of every month and it doesn't show how much interest or payments Paypal takes out every month. For the XXXX statement, I can get it because it states Bad Request as the Paypal website doesn't work.

XXXX  PayPal customer service supervisor was very disrespectful on the phone calling me " honey ''. I asked him not to call me that, I began to tape-record him because he was yelling and very argumentative as I requested his boss. He told me that he can't change my date which I had the XXXX of every month ever since I been with Pay pal. 
Paypal is conducting some unlawful actions to benefit customers. 

On XX/XX/2021, customer service changed my date to XX/XX/2021. Then Synchrony Bank changed it back to XX/XX/2021, on XX/XX/2021. XXXX from Synchrony Bank states that they can't change it back until I pay {$21.00} which I don't believe I owe as I don't have any statements from the Paypal website and/or never opted out from any mailings.

Then I received all these emails from Paypal that my account is compromised or I ordered something I never ordered ( see attached ).

With the COVID 19 and all the economic issues, Paypal and Synchrony Bank is trying to enrich themselves off the bank from vulnerable citizens with unexplained charges, poor website, no statements showing amounts they are taking out, and poor customer service [ yelling and screaming ] on the phone at customers. Synchrony Bank finds it amusing to treat customers poorly and their actions are nefarious and cold. 

I am also copying this complaint with the Department of Justice, Congressional Oversight Committee, US Department of Treasury to investigate this company 's Synchrony Bank and Paypal for illegal policies and practices, website issues, failure to communicate with customers properly about changes, maliciously hurt customer 's credit ratings ( XXXX, XXXX and vulnerable ) and poor unethical practices.

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