Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
For the past two nights, at approximately XXXX XXXX EST both times, Paypal e-mailed me alerts saying my Paypal Credit account was locked due to unusual activity. Im writing this report at XXXX XXXX on Thursday. Im sitting here in my XXXX office trying to get some work done, and I can NOT overstate how much stress this is putting me in right now. Yesterday, I manually logged into my Paypal account and reset the security questions Paypal requested, and this did unlock my account. Early this morning when I was asleep, it happened all over again. Im not about to log in and reset my security for the second time in two days. Regarding Paypal, I havent used my traditional Paypal account in at least six months, and I havent used Paypal Credit in YEARS. To recap my situation : For the past year and a half, Ive been dealing with a still-unknown Identity Thief who was trying to open fraudulent Comenity Rewards accounts and a XXXX XXXX XXXX online checking account with my stolen SSN, all within a six-month span. This was immediately ( within the span of a month ) followed by XXXX XXXX from XXXX / Synchrony / Paypal Credit popping out of completely nowhere, with no warning, with a lawsuit for about {$3000.00} over my old Paypal Credit debt ( which IS my debt, and Ive NEVER DISPUTED THAT! ) The very first thing XXXX XXXX ever wrote to me was a sarcastic manipulative comment where he said Im looking forward to working with you, when filing a lawsuit against someone is obviously the ultimate I have no interest in working with you move. XXXX XXXX was completely ignoring anything I said about my recurring Identity Theft a year ago, when I was already panicking and losing my mind back then. Paypal and XXXX XXXX lied to the CFPB when they were whining that I was filing duplicate complaints ( those were actually DIFFERENT complaints concerning DIFFERENT emails from XXXX ). Jump forward to XXXX. Within the past few weeks, XXXX XXXX hardly ever replies to any e-mails I send him, as per the norm. When he did reply about a couple weeks ago, he only wrote one single message, and he's casually lying about conversations we did and didnt have a year ago. XXXX XXXX, the local attorney Paypal hired to represent them in the courtroom while XXXX was playing games in mid-XXXX, will neither confirm nor deny Paypal had anything to do with my XXXX identity theft, or if Paypal knows who is committing it. Now XXXX XXXX is also completely ignoring me. He told me Im supposed to sort everything out with XXXX, but how am I supposed to do that when XXXX only communicates in occasional one-liners and legal bully moves?! The only reason XXXX responded to me the ONE time within the past month is because I started writing my concerns to XXXX, and I'm guessing that made XXXX a little nervous, and XXXX is beginning to see this problem is more complicated than just " This guy owes Paypal some money. '' The message coming from Paypal on this front is loud and clear : We hold ALL the legal power over you, and we NEVER need to explain ourselves! Step number 1 of the identity theft problem : Identity theft is a severe criminal attack thats supposed to have heavy consequences. Step number 2 of the identity theft problem : IF ( and I mean IF ) Paypal / Synchrony / XXXX already know something about my identity thief from early XXXX, and thats the reason theyve been so dodgy with their answers for the past year, then that means the lawsuit last year is ANOTHER blatant criminal attack aimed at making me look like a deadbeat dirtbag, and it compromises the whole the way the civil lawsuit system is supposed to work, and NOW they have a judgment hanging over my head they can further exploit against me! Unofficially, Im just about ready to tell all my creditors : Okay, guys. Enough is enough. Youve heard my tragic Dead Dad story plenty of times already. You know why Im missing a bunch of money and why its not my fault. So now Im not going to pay anyone anything until you help me understand you nothing to do with my identity theft problems, and you have nothing to do with my abusive family problems, so I know my mystery criminal attacker ISNT YOU! Meanwhile, the whole time Im struggling with this Paypal problem, Im constantly getting bombarded with new Identity Theft from another ( fake?? ) company called XXXX XXXX XXXX, who keep acting like I went to them applying for a loan ( please refer my previous half-dozen CFPB complaints ). My only guess here is : SOMEONE is trying to force this whole matter to become a Federal investigation, at the same time that Paypal and their attorneys want to play Hide and Seek games. BUT all of these other things are outside of the scope of this particular complaint, which Im submitting right now. The purpose of this complaint is to address : Why does my Paypal Credit account keep mysteriously getting locked when Im never even using it?

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