Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My name is XXXX XXXX XXXX. On XX/XX/XXXX I initiated a transaction with my Paypal Credit Account to what I thought was to XXXX XXXX  for tax preparation. The email address is XXXX However, when I sent the payment I typed jXXXX missing a letter. After discovering my mistake I did another transaction to pay XXXX XXXX whos email address was " XXXX '' and then submitted a dispute to get the other payment credited to my account. It was credited on XX/XX/XXXX. ( Bank statement : REF # XXXX ) On XX/XX/XXXX I was also credited another {$120.00} for the incorrect transaction. At this point Paypal has now over-credited my account {$120.00} ( Bank statement : REF # XXXX ) Now on XX/XX/XXXX per bank statement ( REF # XXXX ) it shows where Paypal adjusted my credit account balance to reflect the {$120.00} that was due to Paypal for the double credit. I explained to them the {$120.00} was already paid because it was added onto my credit balance, which at that time my credit cards with Paypal were paid off and had a XXXX balance. In fact the {$120.00} Paypal is referencing, Paypal decided to open a bank account within their company, in my name without my permission, and put a negative balance of {$120.00}. Nothing saying what it's linked to, no transaction or anything just the total of what they claim I owe, and an unauthorized bank account. I advised Paypal of this and shortly thereafter I was booted from paypal online services. Which was why I called Paypal today to get access to my account, because I need my transactions report to get receipt 's of a purchase I made. According to Paypal I was shut out of being able to see my transaction history because of the negative balance they put on the unauthorized bank account. I explained this fact and nobody ever seems concerned, they just repeat the same thing over and over as if they are unwilling to look at their own statements and verify they were paid already. I've called at least ten times and I even wrote a letter to XXXX XXXX XXXX who is maybe a CEO or some high up figure in their company. I got a letter back saying the issue was resolved ( see attachment ) but as we can see that did not happen. I called today on XX/XX/XXXX and was transferred 4 times. A lady from Paypal Credit stated I did not have a balance and she would send me a confirmation letter to my email within 48 hours stating I did not owe on the accounts. I then call back to ask if somehow they could or would communicate to each other that I did not have a balance, but was again told I owed {$120.00} even though I was just told 5 minutes prior I did not have a balance from Paypal Credit Dept. This has been going on for over7 months and every time I reach out to their company I just get transferred around without anyone willing to just look at the statement and see that they already charged me for that amount. I am now being told it was sent to collections 5 months ago but it does not show on my credit report so I could have the debt validated. Please look into this and help get this resolved.

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