Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : Consumer Financial Protection Bureau ( CFPB ) Subject : URGENT Ongoing Unlawful Billing, Credit Damage & Harassment by PayPal Credit ( XXXX XXXX Despite Merchant Admitting Fault & Approving Refund CFPB Complaint ID : XXXX Dear CFPB XXXX, I am filing an urgent escalation regarding PayPal Credit XXXX XXXX XXXX XXXX and their ongoing refusal to correct a wrongful charge of {$850.00} made by XXXX even after : XXXX admitted in writing that the charge was wrong, XXXX  agreed in writing to refund me, I submitted all proof, PayPal continues to demand payment, report derogatory credit, and ignore evidence. 

This is now causing significant credit damage, emotional distress, and unlawful harassment. 

XXXX. FACTS & EVIDENCE ( ALL DOCUMENTS ATTACHED ) Refund acknowledgment from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, emailed me confirming the following : She personally reviewed my case XXXX admitted that the charge should not have occurred XXXX  agreed to process the refund Their billing department is delaying, but refund is approved These emails prove merchant fault & refund approval. 

PayPalXXXX XXXXXXXX XXXX attached ) Despite receiving the merchants refund agreement, XXXX issued a letter on XX/XX/year> stating : We have received no proof that a credit is due. 

This statement is false and contradicts the written XXXX confirmation I already provided. 

My certified-mail dispute packet I mailed PayPal a full packet with : XXXX refund emails PayPal statement showing disputed charge CFPB Confirmation Legal demand letter Certified mail tracking proof Yet PayPal continues to : Demand payment Add interest Add fees Report derogatory information to XXXX Threaten further credit damage Ignore merchant refund confirmation XXXX. PAYPALXXXX VIOLATIONS OF FEDERAL LAW A. Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 They violated FCBA by : Failing to investigate properly Ignoring merchant proof & evidence Refusing to remove or suspend the disputed charge Continuing collection activity during an active dispute Under FCBA, once a consumer disputes, the creditor must stop billing collection efforts until the investigation is properly completed. 

PayPal did not follow this. 

B. Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq.

The charge was not properly authorized and not renewed by me.

Under EFTA, PayPal must : Fully investigate the dispute Correct unauthorized charges Issue provisional credit They failed all three.

C. FCRA ( Fair Credit Reporting Act ), 15 U.S.C. 1681s-2 PayPal is knowingly furnishing inaccurate credit information by continuing to report : Failure to pay Delinquency Outstanding balance Even though : The charge is disputed Merchant admitted fault Refund is pending This constitutes willful FCRA violation XXXX 

XXXX UDAP Violations Unfair & Deceptive Acts ( 12 U.S.C. 5531 & 5536 ) PayPal 's actions constitute : Unfair billing practices Unreasonable collection harassment Deceptive investigation practices Discrimination-like behavior by refusing to correct when merchant admits fault XXXX. HARM TO ME ( CONSUMER ) My credit score dropped due to false reporting Interest & fees added unlawfully Continuous harassment letters from Synchrony Emotional distress and frustration Hours of paperwork, certified mail, phone calls Merchant confirmed refund, yet PayPal ignores it This is abusive and unlawful. 

XXXX. WHAT I REQUEST FROM CFPB I request the CFPB to order PayPal/Synchrony to : XXXX. Immediately reverse the {$850.00} charge XXXX. Remove all negative & derogatory credit reporting XXXX XXXX XXXX  XXXX. Stop all collection activity immediately This includes phone calls, letters, billing statements. 

XXXX. Issue written confirmation of corrected reporting XXXX. Implement compliance review PayPal appears to ignore merchant acknowledgements, violating FCBA, EFTA, FCRA. 

XXXX. CONCLUSION I have been cooperative and provided every document requested. 
The merchant admitted fault and approved my refund, yet PayPal continues to : Refuse correction Damage my credit Demand money Threaten additional reporting Violate multiple federal consumer protection laws This is unacceptable, harmful, and unlawful. 

I request urgent intervention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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