Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
The following is a letter which I had mailed to PayPal Credit/Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : Synchrony Bank/PayPal Credit XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Formal Dispute Misapplication of Payments and Failure to Allocate per Request. 





To Whom It May Concern, I am writing to dispute the misapplication of multiple payments I have made to my PayPal Credit account, which is issued by Synchrony Bank. Since approximately XX/XX/XXXX, I have contacted your representatives multiple times by phone and asked that specific payments be applied to my non-promotional purchase balances, in order to avoid interest charges. Despite my clear and timely instructions, my payments have consistently been applied to promotional purchase balances that were not yet due and still within their no-interest periods. This includes a payment of {$220.00} ( made on XX/XX/XXXX ) that I explicitly asked to be applied to my non-promotional purchases. That payment, and others, were instead used to pay off promotional purchase balances not due until XXXX, XXXX, or XX/XX/XXXX. Each time Ive called, I was assured that my instructions would be followed, only to discover days later that the exact opposite occurred. These actions have not only led to increased interest charges on balances that should have been paid off, but also caused me significant emotional distress and financial harm. 

I am requesting the following : 1. Immediate reallocation of all misapplied payments to non-promotional balances where possible ; 2. A full review of my payment history and account application of funds since XX/XX/XXXX ; 3. A written confirmation of any corrections made ; 4. A credit for any interest charged due to improper payment allocation. Please consider this my formal written dispute under the Fair Credit Billing Act. I am also reserving the right to file a complaint with the Consumer Financial Protection Bureau and to pursue legal action if this matter is not resolved. 



Sincerely, XXXX XXXX XXXX XXXX No Interest if paid in full by XX/XX/XXXX {$160.00} Remaining balance {$7.00} Current accrued interest XX/XX/XXXX Expiration date Set reminder- Opens a simulated dialog Expand Special Purchase XXXX XXXX No Interest if paid in full by XX/XX/XXXX {$150.00} Remaining balance {$5.00} Current accrued interest XX/XX/XXXX Expiration date Set reminder- Opens a simulated dialog Expand Special Purchase XXXX No Interest if paid in full by XX/XX/XXXX {$0.00} Remaining balance {$0.00} Current accrued interest XX/XX/XXXX Expiration date Paid-off Expand Special Purchase XXXX XXXX No Interest if paid in full by XX/XX/XXXX {$0.00} Remaining balance {$0.00} Current accrued interest XX/XX/XXXX Expiration date Paid-off Glossary of terms- Opens a simulated dialog There were payments that were not due until XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which were all paid off without my knowledge nor consent. I can no longer access these records/statements as they are no longer available on my PayPal Credit Special/Promotional Purchases list . 
There was a phone call that I had made to PayPal Credit, back in late XXXX, in which I had requested to the PayPal Credit Customer Service Representative that any payments which I had already made, be correctly allocated to my Non-Promotional Purchases ( as they were the purchases which would be accruing interest first ). Instead, the representative misallocated almost all my past payments that went towards my Non-Promotional purchases, and re-allocated them to my Promotional ( Special ) Purchases.

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