Consumer complaint received 2023-06-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (CA)

To : SYNCHRONY BANK XXXX XXXX XXXX XXXX, PA XXXX CC : SYNCHRONY BANK/PayPal Credit XXXX XXXX XXXX XXXX, PA XXXX XXXX : Consumer Financial Protection Bureau XX/XX/XXXX ADDITONAL INFORMATION REQUEST TO COMMENCE DISPUTE WITH PAYPAL During the first call placed with Paypal on XX/XX/XXXX to dispute the XXXX payment of {$100.00}, Paypal representative told me that I need to speak to a representative with Synchrony bank, to authorize the refund requested on the Second payment of {$100.00} made on XX/XX/XXXX. The representative told me that I would receive a {$100.00} refund by check within 15 days. 
Since the 15 days have passed and I have not received the refund a made a second call XX/XX/XXXX to Paypal. The representative told me that it appears that the refund has not been send and ask me if I would prefer to have {$100.00} moved to XX/XX/XXXX payment, to which I agreed. 
To my very unpleasant surprise I was bombarded again with harassing email messages, why I am not making payment on XX/XX/XXXX. 
I waited to see if the credit is being applied until XX/XX/XXXX when I called for third time and requested to speak with a supervisor. The person introduced themselves as XXXX - supervisor, and upon review of the account told me that the {$100.00} payment will be posted on my XXXX statement. Reassured me that late fees will be waived and asked me to pay {$25.00} to close the billing period for XX/XX/XXXX. I paid the {$25.00} immediately. 
On XX/XX/XXXX I made XXXX follow up call since I was getting messages about late payments and balance due. Your agent, introduces themselves as XXXX, assured me that she reviewed the account and has created case # XXXX to which I should refer if any more problems arise, and assured me that I would not be receiving anymore notices. Notices did not stop!!! As a matter of fact I received a formal letter on XX/XX/XXXX to collect debt! 1 I called immediately back, XXXX TIME. The first Paypal agent XXXX, on my request to speak with a supervisor disconnected the call!!! I called immediately back and agent Al, transferred me to Synchrony Bank allegedly, where I spoke with XXXX -account XXXX, extremely rude and unpleasant person, who at the end of the conversation agreed to issue a refund on the {$100.00} and told me that it will take XXXX days to receive the check. 

Your email sent on XX/XX/XXXX, requesting additional information to understand what I am disputing, clearly indicated that I can send my reply via attachment on my Paypal account!!!! SURPRISE SURPRISE!!! NO SUCH FEATURE! 
I called to resolve the issue with the attachment on XX/XX/XXXX first agent XXXX, transferred me AGENT XXXX for technical support. This agent stated they could not assist me and stated will transfer me to someone who will!!! GIVE A WILD GUESS WHAT HAPPENED! I GOT DISCONNECTED YET AGAIN!!!! 
I have been nothing but an exemplary customer, never late on my payments over the duration of this account. Paypal and their representatives for the last 2 months have used every single intimidation, predatory method to harass me repeatedly!!!! YET NEVER COULD RESOLVE A SIMPLE ISSUE to apply the {$100.00} extorted from to a future payment!!!! PayPal and Synchrony Banks representatives have caused me undue stress, XXXX XXXX XXXX, XXXX XXXX, loss of time and all that because I want my overpayment of {$100.00}, made under unwarranted pressure from XXXX, to be applied as I INTEND TO BE APPLIED!!! 
At this point whether you send me my refund and waive the late fees will not suffice all the wrong done. Enough is enough!