Consumer complaint received 2015-12-15
Company: SYNCHRONY FINANCIAL
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
paying on XXXX PayPal accounts - I am horrified that XXXX XXXX XXXX ( whom I paid off years ago ) would open XXXX accounts after I asked that the only XXXX I knew be closed w Specifically in complete disagreement with these ongoing bills spoke to CSR people over 30 times and said I needed proof of how they opened this account because Ir did not have that and requested that information for months.He appeared to be trying to again aggravate the situation by asking questions that were irrelevant to the complaint i.e. Saying there was a payment history again. I paid on this account to avoid any disparaging credit notifications to the credit bureaus. I told him twice to send the information and to date have not received anything! This is the first time I have seen anything as it was posted to the Consumer Protection 's website where I filed the claim. 
2. In 2009 I did not report the account stolen - I reported that my credit protection account said that an account was opened and had been Aware. I said no and they gave me the number to call and I promptly called to report the issue - they said no problem in closing the account and investigating. 
I ca n't even remember the name of the bank I called affiliated with this account at this time. I never reopened an account at that time!! They must have done that in their own. 
3. I have been paying on XXXX PayPal accounts thinking all along this corrupt account started without my permission was just XXXX account. Now I have XXXX PayPal accounts that at one time was XXXX XXXX XXXX - which I had paid off and closed. 
4. The payments that I did send - even when a statement was not sent - were not applied at the time sent and this is reflected in the inaccurate paper work supplied by this synchrony bank. I would receive statements saying I had not paid for two months. I also paid outrageous and continue to pay late fees whe 5. I paid online numerous times and do not even see any payments applied to this account- I tried many times to explain that payments sent to protect my credit - until this nightmare would be over, could not even be found!!! 
6. I never ever said to open another account when I called to report this account should not be opened. I have no idea what the balances represents as I feel I paid twice for anything bought online due to the fact I was using my own bank debit card! 
7. No legitimate information over the years of requests were granted to me and none of the information posted to this account is legitimate to me. to verify this account over years. The countless times when i called about my account two months behind, because They would then leave messages for me back then should be further proof that they made contact and I continued to tell callers that I have no idea as to why this account exists and requested more than 10 times verification of the account and a full accounting and statements. Never were they sent until I got In Touch with the consumer financial protection agency at the US government - had I received any type of follow up. 
6. I demand that this unscrupulous entity be charged with unauthorized use of my personal information. I have an excellent payment record and I allow the Bureau to check that out - they will see that this company PayPal is the only one reporting negatively about me. I pay my bills when received and this is what I did with this company - not knowing it is crazy. 
7. I have been harmed by this entity and continue to be so with lack of accountability for this mystery account. This nightmare feels like it will never end. I was advised by my credit reporting company to file against PayPal too! 
It just goes on. I will file many complaints as needed- for however long it takes to get my credit and get the money back that was stolen and mishandled countless times. 
8.I have had excellent credit with no delinquencies for over 30 years till PayPal

Company response to consumer: Closed with explanation