Consumer complaint received 2020-04-21
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX To whom it may concern : This complaint is towards PayPal Credit ( XXXX XXXX XXXX XXXX ) I realized it was time for me to get assistance for this issue when this company deliberately refuse to put my money to the account to pay off the balance of the regular purchases. They want interests money, to fleece their customers. 
The last date I contacted PayPal was XX/XX/XXXX, prior to that I would call and call even on Saturday each time I was told the money would be applied to the proper account I would check online only to find no changes they would put the money towards the promotional balance even when it wasnt due. I would explain I wanted the regular purchases amount to be paid also that was the reason for paying the extra amount of money to cover the promotion balance and the regular purchases amount to keep from paying interests. The XXXX promotion is not due its a prime example of what they do but there is money that is not been accounted for that I have paid and I want to know where is the XXXX. What has this company done with my money? 
This would have been avoided if customer service would have been honest in posting my money where I requested. There is money unaccounted for in the amount of XXXX that I have paid. 
Since the beginning of the year, I have had a problem with customer service posting my money to the correct account. They refuse to put my money where I request to pay off the regular purchases as well as the promotional balance. There is special promotion finance where customers have six months to pay without interests also regular purchases if customers can pay within 30 days without interest. Each representative says something different each time I call. On XXXX, XXXX the promotion amount was XXXX I paid XXXX, I did not have a promotion for XXXX, but I paid XXXX XX/XX/XXXX. XXXX there were two promotional balances XXXX, I paid an additional XXXX on XX/XX/XXXX I paid XXXX, XXXX promotion wasXXXX, I paid XXXX now I have paid XXXX. The total of promotion is XXXX XXXX = XXXX - XXXX = XXXX the balances towards my regular purchases. Customer services refuse to post the XXXX towards regular purchases in the total amount of XXXX instead they paid a portion of XXXX promotion amount XXXX leaving a balance of XXXX. There is money I have paid that is not being accounted for only XXXX was paid towards the XXXX promotion ( is not due ) leaving the balance of XXXX, only XXXX was paid out of the XXXX so where is the XXXX, it was not applied to the regular purchases, where is this money? Now because of their inappropriate conduct, they have charged XXXX also they have increased the regular purchases to XXXX this is a made-up amount. These are the regular purchases I made and date XX/XX/XXXX, amount XXXX XX/XX/XXXX, amount XXXX + XX/XX/XXXX, amount XXXX + XX/XX/XXXX amount XXXX + XX/XX/XXXX amount XXXX I did not see where I was given credit for these three amounts of XXXX so I added them to the total amount of XXXX. There was an error in my calculations in the purchases amount it is XXXX instead of XXXX. 
I have not charged anything to the regular purchases since XX/XX/XXXX purchases and never will anymore. I have paid the regular purchases customer services refuse to post the money to the account. This is wrong and unethical for this company to miss handle customer 's money who are paying their bill this is bad and unfair business practices. 
I have attached documents from my bank statement. Thank you for your time and patience I tried to make this information easy enough for your understanding. 
Thank You XXXX XXXX

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