Consumer complaint received 2025-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Looking at my PayPal Mastercard Statements for XXXX and XXXX, I noticed two charges for XXXX XXXX XXXXXXXX. One on XX/XX/XXXX, for {$8.00}, and one on XX/XX/XXXX, for {$34.00}. I had never heard of XXXX XXXX, so I XXXX  and discovered it is an " optional purchase '' that can " cover your minimum monthly payments or entire balance. '' I never made this optional purchase, but the fees for this payment security have been added to my credit card 's balance. Upon further searching, I discovered that this is common with PayPal 's credit card and that many users have been enrolled in this optional payment security and have had charges added to their credit card balance without their knowledge or consent. 

Just this week, I had to call PayPal credit card customer support several times because they added the payment I sent for my bill to my balance and said I still owed the minimum due. I also noticed they had charged me a late fee twice for the same late payment. After much hassle and emotional stress, the returned the late fee that was the second charge and marked my minimum payment as paid. I am still concerned that they are going to tell me I owe the same month 's payment again. 

I called the number at the bottom of the XXXX XXXX charge that said it was a XXXX number. Even though it was the number at the bottom of the charge I was calling about, they could not help me with the fact that I'd had two charges added to my balance without my knowledge or consent. I was given another phone number to a department that is already closed and told to call on Monday. I informed the representative that I was talking to to make a note that I would be filing a complaint with the Consumer Financial Protection Bureau and that I hoped the department on Monday did the right thing and removed the charges from my balance and did not add any further charges, and that I hoped the report would keep them from doing this to anyone else, since this seems to be a common act of fraud with this credit card company. 

PayPal 's Mastercard, which is provided through Synchrony Bank, needs to be investigated for fraud. If I had done a single search before applying for this credit card I would have realized that they are frequently giving consumers hassle over their payments not being applied correctly, that people have closed their account only to discover that XXXX XXXX fees are creating a balance on the account they thought they closed, and people have a hard time getting any help because the customer service representatives don't seem to be trained at all. Enrolling a customer in an " optional '' program without their consent and adding charges to their balance without their consent is theft and fraud. 

Something needs to be done about this bank and PayPal needs to find a new bank to provide their customers with credit cards.

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