Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXXI open a account with PayPal about 3 years ago the same transactions an activities occur on this account just a month ago one consumer double charged my account i cancel the transaction because I was charged twice from the same company reported it PayPal they credit my account back then another incident happened where as though I didn't want XXXX  services no more so I reported to PayPal I was to cancel a upcoming payment from them I have a screenshot of the conversation with PayPal chat representative that says I cancel/ block upcoming payment from XXXX  so whenever the payment was due PayPal still allowed this payment to be withdrawn out my  checking account it contacted them to inform them thst payment wasn't supose to taken out because 4days before the payment was due I spoke to a PayPal representative who assured me that payment would be block well XXXX  charged a payment plus additional fees i complain about it PayPal credited my account dollars an sum cents & told me they couldn't credit the other portion of XXXX  money that was taken from my checking account & after viewing my complaint they said did i have any additional proof before they closed thst claim i never responded because the screenshot is showed them about the conversation with their representative they basically over looked it trying to put blame on me then out of nowhere they then put permanent limitations on the account & want release my savings funds of XXXX I contacted the PayPal representative 3 times about i just wanted my savings money i don't want their business one representative assured me she let another set of eyes look at this account & solved this matter i waited 1wk as she told me but noone got in touch with me then I call them again complaining about the situation why my money was being helded they tried saying I violated the PayPal rules and regulations I said how all i did was put in a claim against the merchant for withdrawal of funds from my account after me reporting to them  before this merchant took a payment from my checking account well I then put in a complaint to PayPal customer service didn't get the proper answer so I filed a complaint with the XXXX  their response was basically on paypal side trying to say they was a advocate about the matter & she was a PayPal advocate from paypal so I then put in another complaint against her decision with her an she still refuses to release my savings account money saying I violated i had negative balances & fraudulent transactions which is a lie never happened i exchange words with this person telling her shes a liar who's trying to defend paypal due to their negligence an fraudulent lies trying to protect them with putting false information on me & all i wanted was my funds from my savings account she says nothing has changed with the decision made so I contacted this service so I can just get my savings funds from paypal they saying I have to wait until nxt yr for them to release my savings funds its XXXX 2025 & this happened in XXXX  2025 its against the law for paypal to hold savings account money due to me when they have permanent limitations terminated my account due to no fault of mines but they trying to say I violated their policy because I defended myself after I put in a claim not even XXXX  $ an reported a claim of XXXX  which was supose to be blocked from XXXX  not withdrawing out my account i had a checking an savings account with them  I transfer the balance of checking account to savings account thinking I can withdraw all the savings account to my new account through XXXX  but paypal had it where I was blocked an  couldn't do it after the  fact when XXXX  2025 came my automatic payments was due on this paypal account I had to reroute all automatic payments to my XXXX  new account & zip payment was due I had that payment paid through another account so thats why they are saying my account had negative balances which is a lie the same day that zip payment was paid just not through then an i have proof of thst payment the same day from another account i have not had any other automatic payment due to this paypal account because I had to reroute all my automatic payments to a new account through XXXX  this is distress and caused me a lot of tension & pain an suffering paypal just figured they can just do customers any kind of way just because they are a big company & file false information on their customers pointing them as the bad person using their policy as a cover up that the customer violated or broke company policy all so to make them true an customer a liar i have proof it tried to solve this matter I just want my savings account money if u put a permanent hold on my money release my funds while hold them for 6months saying that they have to hold them due to merchant claims which i have no business account these ate all transactions that was on the account & if there was a problem before I put in a claim which didn't they give me a warning I was doing something wrong on the account all transactions are legit and none fraudulent transactions they trying to say they are fraudulent which is a lie anymore can view my account & transactions & see all transactions was legit & sum of the representative said paypal was putting a permanent limitations terminated on the account because it was a business lies lies lies the only transactions on that account was every month automatic payments of my bills sending money to friends/family & basics transactions of food etc.. none of those transactions dealing with business & my XXXX  deposit each month & i was never notify until I put in that claim only i just want justice & I have been through enough with PayPal just release my funds instead of holding my funds due to me"

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