Consumer complaint received 2018-09-03
Company: SYNCHRONY FINANCIAL
State: RI
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:
This is a complaint under 12 CFR 1026.12 which the Consumer Financial Protection Bureau is responsible for enforcing. As you know, I have contacted my congressman due to CFPB failing to enforce the provisions of this consumer protection in previous matters related to PayPal Credit. 
PayPal Credit provided me with a list of transactions on this account. The statement runs from XX/XX/XXXX to XX/XX/XXXX. I have now had the opportunity to review the debits and credits that PayPal Credit provided. I have gone through those statements and prepared the attached document each section is referenced to the page number of the printout supplied by PayPal. I have attached a PDF of the spreadsheet I prepared. 
There is a very interesting charge on the list {$50.00} on XX/XX/XXXX to XXXX that I think clearly sums up what has been going on here. I actually know this individual and I also KNOW that you can not charge a cash transfer to an individual. So, I think this itemthat I DO RECOGNIZE and that I KNOW FOR CERTAIN WAS NOT A CHARGE BUT RATHER A BANK TRANSFER shows why this entire record of charges is suspect. There are a lot of othercharges most of which I do not recognize and of the charges that I do recognize, I sincerely doubt they were creditjust as I KNOWthe one to XXXX on XX/XX/XXXX was definitely not and could not be credit. I sincerely doubt that the other charges that I recognize that are listed as credit by PayPal were indeed credit charges ( if they were it was charged to my linked credit card which was not PayPal ). So I have sincere doubts about this whole situation and what PayPal is doing exactlygiven that a cash transfer to XXXX from my bank account is listed as a charge for PayPal credit by PayPal credit makes me question all of this. 
Another interesting fact is that there is no activity between XX/XX/XXXX ( when PayPal would have been notified of the Chapter XXXX that they claim to know nothing about ) and XX/XX/XXXX. 
Overall there are charges listed from companies that I recognize and did business with and although I do not believe I ever used or authorized these transactions as PayPal CreditI had a valid credit card attached to my PayPal account first from a secured account through XXXX XXXX  and later from XXXX XXXX ( they bought the account from XXXX XXXX ) that would be used in the unlikely event my bank balance did not cover the charge. Nevertheless in the attached PDF I have listed charges from sources that I recognize as potentially valid charges ( although again I am not sure why they were not a traditional cash transaction ) and they total {$5900.00} between XX/XX/XXXX and XX/XX/XXXX. 
The charges that I do not recognize total {$19000.00} and most of these charges are from XXXX a company that is closely aligned with PayPal. Many of these include donations to XXXX. Additionally, many of these charges were made when I was not at home and did not have internet accesseither because I was in a remote location or because I was out of the country. 
During this time, PayPal took at least {$24000.00} from me which they categorize as payments ( I do not believe that this is the full amount of money that was taken from my bank account for PayPal transactions but I am using their numbers and information ). 
Overall, I believe that 12 CFR 1026.12, which the Consumer Financial Protection Bureau is charged with enforcing applies here and I believe it is my right under that law to have the charges that I do not recognize ( per the attached PDF ) demonstrated to have been both authorized by me and something that I received a benefit from by the company ( PayPal ) that alleges that they are valid charges. I believe that if those two criteria can not be shown by PayPal they must refund those suspicious charges under 12 CFR 1026.12. While I appreciate the listing that PayPal provided in that it allowed me to see what PayPal bases this alleged balance due onthe simple list of charges neither shows authorization by me nor benefit to me.

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