Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In XX/XX/XXXX I purchased an item on XXXX for a total of {$1900.00}. At the time of purchase I was offered a financing agreement by what at the time was PayPal credit. The terms of the agreement were XXXX equal payments with no interest. ( This equals out to ~ {$81.00} per month ). I have made no other purchases with this account since that date. Every month I received a statement with a minimum payment of {$81.00} and I paid the requested {$81.00} every month until I received my for activity XX/XX/XXXX - XX/XX/XXXX statement in XX/XX/XXXX. For that statement my minimum payment inexplicably increased to {$110.00} I contacted PayPal credit which had been converted into PayPal Credit Card. They informed me there was nothing they could do to fix this statement and my payment would be marked late if I did not pay them. I contested this and refused to pay but ultimate relented and paid them the increased payment with assurances this would be corrected by within two billing cycles. The next statement in arrived for activity XX/XX/XXXX - XX/XX/XXXX in XX/XX/XXXX the minimum payment increased again to {$130.00}. I again contacted PayPal Credit Card ( formerly PayPal credit ) about the issue and they again assured me nothing could be done. I again paid the higher minimum payment in good faith with the understanding this would be fixed by the next billing cycle. The next statement arrived for activity XX/XX/XXXX - XX/XX/XXXX in XXXX of XXXX. Again the minimum payment increased to $ {$160.00}. I again contacted PayPal Credit Card ( formerly PayPal credit ) about the issue and they again assured me nothing could be done. They also had no record of my previous contacts or the agreement that this would be fixed within two billing cycles. They then tried to tell me I was bound by the new PayPal Credit Card promotional financing terms and that my promotion was no longer available. After a few hours of calling back an employee admitted the mistake and said they would try to correct it. I reminded him that I had overpaid for 2 months in good faith at this point and I simply dont have the money to keep giving them ever increasing amounts that violate the financing agreement. I have received no further contact from PayPal Credit Card and my statement is still incorrect. My payment is due in a few days and I just don't have the money to keep throwing at this. They refuse to lower my payment to the agreed amount and it seems their intent is to force me to pay outside the terms of the financing agreement as they are not only incapable of correcting the mistake but are purposefully increasing the plan payment every month with complete disregard for the original agreement. My only recourse is to not pay, which then puts my account in bad standing and risks legal issues resulting in fraudulent information being given to the credit reporting agencies not reflecting my compliance to the payment terms. Please help.

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 explanation