Consumer complaint received 2024-12-23 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: IL

Complaint narrative:
XXXX. ) On XX/XX/XXXX, I was charged {$59.00} on my PayPal account. I did not authorize or recognize the transaction and immediately reported it to PayPal. The charge was made by a company named XXXX. This unexpected and unauthorized charge has caused me significant confusion and frustration. PayPal filed a dispute, closed the tampered account, and issued me a new account number. PayPal also provided a credit in the said amount.

2. ) I asked the CSR handling the complaint if it was necessary to close my account and if they could reverse the charge. He said it would be best for PayPal to establish a new account number and close the tampered account. 

3. ) I explained to the XXXX that my account is set up with automatic payments. What will happen to those? He explained that new charges made with existing account numbers would be transferred to the new account. My concern was ACH, which is billed directly to my PayPal account. I was told not to worry. It would bill to the new account seamlessly. 

4. ) On XX/XX/year>, a charge from PayPal for {$100.00} was debited from my XXXX XXXX XXXX XXXX XXXX PayPal. I was utterly unaware of making a payment to PayPal in this amount. I logged into my PayPal account, and they took {$100.00} for an auto-ship on a XXXX order. All other XXXX orders were charged to my PayPal Credit Account, so why did this payment come from my XXXX XXXX checking account, throwing it out of balance with my register? I called XXXX, and they informed me that it wasn't them ; it was PayPal that took the money.

5. ) When I questioned PayPal about this, they informed me that because my original account was closed, they used another form of payment in my wallet. This was contrary to what I was assured when the account was closed- that nothing would change with my established ACH. I was misled. I requested PayPal to return the money and use the same payment method I used for all previous XXXX orders : the PayPal Credit Account. 

6. ) I called XXXX XXXX and explained what had happened. XXXX XXXX reversed the payment to PayPal and returned the {$100.00} to my checking account.

7. ) Since then, PayPal has retaliated against me. First, they reversed the {$59.00} from XXXX and recharged my new PayPal account for the amount. Remember that PayPal closed the original account because of the unauthorized XXXX purchase. 

8. ) Secondly, PayPal decreased my credit limit from {$7500.00} to {$2000.00}, which was my balance owed when the limit was reduced. This sudden reduction in credit limit, which was a direct result of the unauthorized transactions, has made my usage for the account go from 25 % to 100 % and has significantly impacted my credit score. 

9. ) PayPal continued paying my other ACH orders with the new account number. Why not treat the XXXX orders the same way? PayPal attempted to contact me when they removed the {$100.00} from my checking account, even though I have never used the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

10. ) PayPal has discriminated against me, and PayPal used my checking account without authorization. I asked PayPal to charge the new account for {$100.00}, as they have always done since I have been ordering from 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 monetary relief