Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/XXXX I purchased a Guitar on XXXX using PayPal Credit, with an offer of 24 easy payments at zero interest. The financed amount was XXXX and that amount divided by 24 equals XXXX XXXX This was an agreement made online with PayPal Credit. Please refer to attachment " XXXX '' This clearly shows the agreement made in XX/XX/XXXX. The payments were set up as automatic payments from my XXXX XXXX XXXX bank account. Everything was going smoothly until Synchrony Bank purchased PayPal credit and then all of a sudden I began noticing that my monthly payments had been increasing by XXXX $ per month every month when the Autopay agreement for this purchase was the XXXX XXXX That was to me a contractual agreement to pay, no more, no less. I have contacted Synchrony Credit/Paypal as per the terms on my monthly statements. Phone # XXXX. I called them again today and let them know my XXXX Statement shows that my Autopay scheduled for XX/XX/XXXX is incorrect, and it should be somewhere around XXXX although I made a purchase in the amount of XXXX $ in XX/XX/XXXX thinking it would come out of my XXXX XXXX XXXX bank account as it always had in the past, via my Paypal account. The scheduled payment for Autopay on my XX/XX/XXXX statement is XXXX $! So I suspect what Synchrony Bank is attempting to do is accellerate the payments to compensate for the 24 Easy Pay agreement with zero interest. Which is against the law!!! That is not the original agreement made with paypal credit on XXXX XXXX! Please see the attached statements which clearly show a discrepancy with the original loan agreement from XX/XX/XXXX. I have voiced my strong displeasure with 3 separate agents on the phone regarding this matter, and have explained in exhaustive detail at least 2 times in 2 separate phone calls the most recent was on XXXX XXXX. The agents seem incredibly uninformed of any prior calls regarding the exact same issue when I call. I called again today XXXX XXXX and just hung up in complete frustration and told them I was going " to report them to the Credit Bureaus '' that I was beyond the point of explaining the same problem over and over again and each time being placed on hold for XXXX to XXXX minutes before an agent responds to the call. So here I am filing a formal complaint. Today XXXX XXXX at XXXX PST I made a payment to my account of XXXX $ to cover the XXXX $ purchase I made in XX/XX/XXXX that seems to be attached to the zero interest purchase on the PayPal website. Hopefully it gets credited to the XXXX $ purchase but Synchrony Bank changed the PayPal Credit into a credit card so I think this is the root cause of the problem. My purchase of XXXX on XX/XX/XXXX, should never have been converted into a credit card type of account, it was originally a type of loan with 24 equal monthly payments. It was not a Credit Card. It was a loan. Yet now I get monthly statements that appear as Credit Card Statements. I can prove that PayPal was taking out equal payments of XXXX $ every month on the same billing date going back to XX/XX/XXXX a payment of XXXX was taking from my XXXX XXXX XXXX Bank Account for the autopay. leaving a balance of XXXX $ no interest charges as agreed upon. On XX/XX/XXXX a similar payment of XXXX was taken from my XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) account remaining balance of XXXX Here is where the upcharges began to happen : On my monthly statement for XX/XX/XXXX it shows a minimum payment amount of XXXX for XX/XX/XXXX an increase of XXXX $! It was taken out of my autopay on or around XX/XX/XXXX. XXXX statement says minimum payment for XX/XX/XXXX autopay is XXXX $ and that was again taken from my XXXX account in or around XX/XX/XXXX with new minimum payment for XX/XX/XXXX of XXXX $ another increase of XXXX $ exactly. XX/XX/XXXX autopay of XXXX taken out and XXXX minimum payment due amount of XXXX $ another XXXX $ increase! and just today XX/XX/XXXX the XX/XX/XXXX minimum due is now a whopping XXXX and my remaining balance is XXXX which includes the XXXX separate purchase made in XX/XX/XXXX for which I made a XXXX $ payment today mentioned earlier. Adding up all of these extra payments equals an amount of XXXX $ taken out without my express written permission and altering the original terms of the XXXX XXXX loan agreement by Synchrony Bank, who purchased PayPal Credit. Yet instead of reducing my monthly autopay payment promptly and in a timely manner after I called the agents on XXXX XXXX and was promised it would be corrected on my XXXX autopay payment, my scheduled autopay is now XXXX $!!! Original loan terms have the 24 payments ending in XXXX of XXXX. Subtracting XXXX from my remaining balance of XXXX equals XXXX $ and if it were to go up in XXXX by another XXXX $ increment that would be XXXX from XXXX leaving a balance of XXXX $ for a payoff in XX/XX/XXXX of that amount of XXXX were I to take no action at all and simply let it pay itself off. The main issue here is I do not like autopay agreements in the first place just because of situations like this. Were I to not have caught this error I could have overdrafted the XXXX account from which the autopay payments are being taken from not by PayPal Credit by by Synchrony Bank. And further were I to cancel the Autopay they could possibly report me to the Credit Beareau 's and lower my credit score. I think this " mistake '' ( I think it's being done on purpose to accellerate the terms of the zero interest loan ) is actually improving my credit score provided I insure the funds are available each month for the Autopay payments. Yet this is not accurate. This is completely wrong and Synchrony Credit is making no good faith efforts to correct this problem in a timely fashion after 3 separate inquires reporting the exact same problem!!! They are Stonewalling me and gaslighting me and making false promises that never get corrected. Or their employees are overwhelmed with similar complaints and they have a huge backlog of similar cases being processed! So basically my XX/XX/XXXX payment for autopay should have been adjusted down, not up by the amount of XXXX $ approximatel and my XX/XX/XXXX payment of XXXX $ should be to pay off the XXXX purchase which is subject to monthly interest charges of which has a minimum interest of XXXX $ which is like 80 % annual interest rate for a XXXX purchase!!! They are robbing me blind, on XXXX $ minimum interest fees! You really need to investigate these people, not just correct this one account. You need to see if they are implementing some kind of accellerated payments on all people in similar 24 payment loans through pay pal credit, and look at the statements of ALL ACCOUNTS WITH SYNCHRONY BANK!!! They are ripping people off, nickle and diming them to some kind of huge number profits in my opinion if my gut feeling is correct. This is not a mistake, this is a " program to defraud customers! '' That is my claim, only you can investigate, all I can do is report my one loan, my one situation. Yet I suspect this is rampant... More than one customer. This is just the tip of the Iceberg, I want to be kept informed about any updates on possible credit fraud by Synchrony Bank. Is there anyone auditing them? Or do customers have to file complaints to create a file? Not good, not good at all. Do your job is possible, I know it's very difficult and I appreciate all efforts to investigate and get to the bottom of this situation. Very truly yours, XXXX XXXX

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