Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing a complaint against PayPal in connection with SynchronyFinancial for illegally opening a credit card in my name. I did not apply for this card, I never asked for it. It was added to my PayPal account prior to me receiving the card. I will have several attachments that are copies from the emails I received. I have asked PayPal to remove the card from my PayPal account. I didnt put it there. They tell me they cant remove it. I have to call Synchrony bank at a link they gave me. I dont have an account nor a password for that bank at the link. To gain access it wants my social security and date of birth. The number they gave me to call that bank ( XXXX ) is listed as a paypal phishing scam. Im not calling it nor am I giving my birthdate or social security number. 
One of the emails I am sending you subject line Youre being upgraded on XXXX XX/XX/XXXX. I ignored it, I dont need another credit card. What I did not do was read the whole thing that had a button DECLINING the PayPal Mastercard at the bottom. So they took it upon themselves to initiate the card. 
I started getting in touch with PayPal when I started getting emails around XX/XX/XXXX saying my card would be arriving soon. That will also be an attachment, as will the entire chat Ive been having with PayPal, saying they cant do anything about it. I tried deleting it from my account. PayPals system will let me remove my bank credit card, but no way I could remove the PayPal credit card. PayPal says I have to call their dedicated bank team to get it cancelled and removed. I never applied for it, I never authorized it, nor did I activate it when it got here in XX/XX/XXXX. 
I did call the bank once that the woman on the other end said you authorized it when you used it How did I use it, I never received it. Sure enough, it had been added to my PayPal account before I placed an order on XX/XX/XXXX for {$200.00} with what PayPal Credit ( not card ) which allowed you to make payments with zero interest if paid in 6 months. I had been using it for years and have proof of that. I have attached a PDF of my statement that shows when I made the purchase it was on PayPal Credit ( not card ), when I made my first payment it was to the same account. When I started getting suspicious, I paid it in full, but the payment went to PayPal Credit Card, which I had not received, nor activated. 
I have frozen my credit with XXXX, XXXX  and XXXX. I have had XXXX thru the XXXX XXXX XXXX XXXX since XXXX because of a cybersecurity incident, but was notified it will end on XX/XX/XXXX. I am a retired XXXX Veteran, XXXX. I am XXXX XXXX XXXX. I believe I was targeted at me because of my age. My son is also a retired XXXX Vet, has a PayPal account, but didnt get the emails and card. My credit is perfect. I will purchase XXXX to cover what XXXX protected. I have no monetary loss. But I am very XXXX about my finances. But I am EXTREMELY concerned about others that may succumb to the illegal activity being carried on between PayPal and SynchronyFinancials. Notice that in the email dated XXXX thats what their website is. It needs to be stopped! 

V/R 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