Consumer complaint received 2026-05-29 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: FL

Complaint narrative:
I am submitting a complaint regarding two charges made on XX/XX/year>, by a company operating under the names XXXX and XXXX, processed through my PayPal Mastercard. I also want to document the difficulty I experienced with PayPal when attempting to cancel these charges immediately after they occurred. Transactions {$69.00} XXXX XXXX Transaction ID : XXXX Invoice ID : XXXX {$15.00} Jobescape Subscription Transaction ID : XXXX Invoice ID : XXXX Summary of Issue The merchant used highpressure upsell tactics and a confusing checkout flow that made it unclear what was optional and what would trigger additional charges. The design included : Multiple layered upsell screens Buttons styled to appear mandatory Repetitive loops redirecting me back to upsell offers Urgencybased language No clear disclosure of recurring subscription billing Because of this, I was charged for products and a subscription I did not knowingly authorize. I want to emphasize that I never used the service at all. I felt defrauded immediately, and I attempted to cancel the charges right away. PostPurchase Behavior by Merchant After the charges, the company engaged in a circular and inconsistent communication pattern, including : Emails from multiple different support agents within short time periods Repeated checkins asking if everything is clear without resolving the issue A partial refund offer that appeared designed to discourage further action Claims that they could not assist because a PayPal dispute was open, followed by additional emails contradicting that claim This behavior made it extremely difficult to resolve the matter directly. Difficulty With PayPal When I attempted to cancel the charges through PayPal : The system made it difficult to stop the payment I was not given a clear or immediate option to reverse the charges PayPals dispute process did not allow me to cancel the transaction despite the fact that I had not used the service at all The merchant told me they could not assist because a PayPal case was open, creating a loop where neither party would take responsibility This left me without a clear path to cancel a charge that I did not knowingly authorize and did not use. Reason for Filing The combination of : Confusing and pressurebased upsell design Lack of clear subscription disclosure Circular and inconsistent merchant communication Difficulty canceling the charges through PayPal Immediate realization that I had been misled raises concerns about unfair or deceptive business practices by the merchant and inadequate consumer protection by the payment processor. I am requesting that the CFPB review the merchants practices and PayPals handling of unauthorized or unclear digitalservice charges. Thank you for your attention.

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