Consumer complaint received 2023-10-18
Company: SYNCHRONY FINANCIAL
State: CO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
" PayPal '', " PayPal Credit '' & " Synchrony '' Customer Support have repeatedly & are acting in a coordinated matter to commit Federally Illegal Organized Criminal Activity including Felony Fraud & Extortion as well as to Illegally Discriminate against me for requesting Handicap Accessible Accommodations regarding making payments to my " PayPal Credit '' & " PayPal Cashback Mastercard '' accounts with PayPal. 

They advertise that users can make these payments over the phone, on their webpage & with their phone apps, however their website & phone apps only allow users to directly link a bank account and draft payments straight from said linked bank account. This forces consumers to call in and provide their debit card information to a Customer Support Agent over the phone, with the CS Agent then processing the payment. 

They provide no option for users to make payments directly with a debit card unlike their advertised policies even though they clearly have the capabilities to do so. They also don't provide consumers access to their full, un-obfuscated account numbers either on the website, phone app or even in account statements. 

This itself is a Federally Illegal & Fraudulent Business Practice. Combined with their Customer Support repeatedly refusing to acknowledge my requests for accommodations they have acted in an egregiously Discriminatory manner in violation of the ADA Title III Sections 3.2000 & 3.3000 For individuals with Disabilities who aren't always able to just pick up the phone and call in to make a payment, this often results in additional fees being charged to the consumers account. 

The company has repeatedly committed Felony Fraud by lying regarding their policies.

They regularly take payment from my debit card over the phone, without issue.

They regularly claim over the phone ( I have their service agents Felony Fraud in this matter audio recorded ) that I can use the phone app & website to make payments using my debit card, that all I have to do is link the card to my account.

I have attempted to link two different cards to my account, however neither actually showed up on the website or phone app as payment options. The only option they provide to make payment in their phone app or on their website is directly from a linked bank account. 

When I signed up for the account, it was advertised in their promotional material & the ( at the time displayed/linked ToS/Conditions ) that I could link a debit card and make payment directly from that card. I regularly make payment using a debit card over the phone when I am able to call in, though I often am unable to do so on time as a result of my XXXX XXXX. 

However they refuse to provide Handicap Accessible Accommodations & are in full violation of the ADA Title III sections 3.2000 & 3.3000 regarding " III-3.2000 Denial of participation. '' & " III-3.3000 Equality in participation/benefits. '' in the form of their accepting said debit card payments when a person calls in over the phone, but refusing to do so via their phone app or website as was originally advertised & repeatedly confirmed by numerous support agents of both PayPal & Synchrony over the last 8+ months. 

These Agents commit these Felony acts of Fraud to subsequently Extort consumers by levying Fraudulent Fees when Disabled users are unable to make a payment on time resulting from the Fraudulent & Federally Illegal Business Practices of Synchrony/Paypal & combined with the individuals Disabilities.

The Agents of PayPal always say to contact Synchrony regarding the issue paying with a debit card & the Agents of Synchrony always insist I have to speak with PayPal. Both are acting in a coordinated manner to commit Felony Organized Criminal Activity including Fraud & Extortion as well as Federally Illegal Acts of Discrimination.

They have acted in a Malicious & Discriminatory manner to dismiss my own tickets, refusing service & repeatedly mocking my requests for accommodations.

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