Consumer complaint received 2018-09-02
Company: SYNCHRONY FINANCIAL
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is involving XXXX XXXX and there Walmart, XXXX and PayPal affiliations. As of recent ( Paid then a few days before being due on XX/XX/2018 of which I owed {$280.00} due XX/XX/2018 ) I made a XXXX payment on XX/XX/XXXX from my bank as I always do and now it shows up as an eCheck and I never pay by eCheck it is always electronilally and takes just a day fo finish and complete but XXXX XXXX has turned it into an eCheck somehow and has it showing as going to PayPal itself and this will make me delinqent as it states it may take days to clear but on another PayPal page it shows complete yet still has me owing the {$280.00} and as of today after paying as I usually do from my Credit Union account, and paying even more than I had to do ahead of time, I am now being make to be delinquint as I copied and pasted this and it shows them still processing, XX/XX/2018 PayPal Credit to PayPalProcessing- {$350.00} USD and this shows what they did by making it an eCheck and sending to PayPal ( this will make me delinquint= Payment sent to PayPal Credit XX/XX/2018 at XXXXXXXX XXXX PDTTransaction ID : XXXX Payment Status : PENDING Expected eCheck Clearing Date : XX/XX/2018 - XX/XX/2018 Gross amount - {$350.00} USD We have no postal aress on file Your Payment Gross Amount- {$350.00} USD PayPal Fee {$0.00} USD Net Amount- {$350.00} USD Contact info PayPal Credit Funding details Funding Type : eCheck Funding Source : - {$350.00} USD - XXXX XXXXXXXX XXXX XXXX ending in xxxxxx Note : eCheck estimated completion : XX/XX/2018 - XX/XX/2018. We advise merchants not to ship until they receive payment. What is an eCheck? -- -- NOw also I had an agreement to pay {$150.00} per mo. to tjem on my Walmart account and I did faithfully and one day I paid them XXXX and before teh fue dateof the XXXX of every month and when I went to pay again the next month I was locked out of paying and when I called them I was sent a number of times over and over again to different people and I was told my account was closed and I asked for a code to get back into my Walmart Credit card page ( as I always pay electronically and it is always credited until this recent event with PayPal Credit XXXX XXXX ). Well they just finally left me just hanging on the phone and would no longer answer me so I said something with the hope it would be recorded as they has said it was being recorded and I said something to this effect, : '' if this is how you are going to treat me than how can I pay you? '' YOu see I have been gong through one XXXX after another and in about two years now I have had XXXX and have been incapacitated to do any work and so I am using my funds to pay electronically as I have had a very diffficult time even writing since my XXXX  XXXX were XXXX XXXX XXXX on XXXX and about XXXX XXXX XXXX on XXXX  and although I got through the XXXX XXXX XXXXXXXX XXXX now I still have the XXXX one to od and I am still using eclectronicl way to pay as that is how it has been done. So I finally just hung up but my wife was here and witnessed this occur. Then concerning the XXXX card they would not let me use it at all at a certain poingt and I had ove a {$1000.00} dollars credit to use left but they started making me pay exhorbatant interest and did this on all the cards for some time. Yet before they took ( XXXX XXXX - GE Financial owned Bank ) over PayPal my interest and payment was not so high and I never had these diffficulties? Now I have a payment in limbo and I am being caused to be deliqint and I am very sick and am at a loss on how to prroceed? Please help. Thank you.

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