Consumer complaint received 2023-07-20
Company: SYNCHRONY FINANCIAL
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
I am writing to dispute a charge of {$100.00} to my Paypal account on XX/XX/2023 I never authorized the transaction. Paypal arbitrarily changed my reason for filing the case to previously cancelled this recurring payment after communicating with the company that I believe defrauded me. Were dealing with two multi-nationals : XXXX of XXXX XXXX ; and XXXX XXXX, as the case may be, of the XXXX. Ive had no problems with XXXX  for a number of years, but sometime during the pandemic they brought in a XXXX firm, XXXX to handle their billing and receivables. Thats when my trouble started. They billed on the day after my subscription ended, for one year instead of two, and for more than double the price. I believe that the blame rests on both XXXX  and XXXXXXXX  ; theyre in cahoots as they say. 
I tried going back to XXXX to work things out, but they ultimately rescinded my work-out and cut off my service. Thats another thing : It now states on the website that no refunds are given for subscription cancellation even though they advertise a 30 day refund if not satisfied ( but thats for XXXX only, not the 3rd party, XXXX ). I did state that I wanted a refund ( within the 30 day period ) in lieu of a bank chargeback but they wouldnt go for it. Furthermore, is XXXX a subcontractor doing billing/AR for XXXX? Then they have stolen my credit card number because I would have never given the number to them : thats the fraud. Shouldnt the XXXX agreement be on file with Paypal since theyre handling customers credit card transactions? Theyre changing the website rules continually to suit their narrative. The point is I never authorized XXXX to create the charge like I do with XXXX or another internet vendor. 
Paypal recognizes my computers but I always have to flash the Paypal site for acknowledgement and validation. XXXX  must have gotten my card number somehow is all I can think of. Normally theres a button for Paypalthats the beauty of Paypal that you dont have to input your card numbernow I think that its a false sense of security. It seems that the Paypal billing inquiries are really ineffectual : the customer is more of a target for unscrupulous vendors as the rulings go in their favor. The Paypal adjudicators ( if you want to call them that ) just accept subscription rules of a vendor with no credit card number or a falsely obtained one. The vendor should have to create an invoice for the consumer. Its been suggested on the internet that theres someone on the inside at Paypal. 
I think thats the problem here : they should have the customers account number validated for every transaction, subscription or not : if scammers like XXXX had to invoice the consumers for every transaction that would solve the problem-they could state on the invoice -- card on file Paypal : further, if theyre changing from vendor XXXX to vendor XXXX shouldnt I have to authorize it? I can tell you with the reviews Ive seen on XXXX, no way would I choose XXXX again. It appears that there are some loopholes in consumer protection on the part of Paypal that one could drive a truck through.

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 monetary relief