Consumer complaint received 2026-01-09 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: IL

Complaint narrative:
Following transactions I deem as fraudulent : Transaction date XX/XX/XXXX Transaction amount {$5.00} USD Transaction ID XXXX Purchase from XXXX  - Amazon Gift Card USD XXXX ( US ) Transaction date XX/XX/XXXX Transaction amount {$10.00} USD Transaction ID XXXX Purchase from XXXX  - Amazon Gift Card USD XXXX ( US ) Transaction date XX/XX/XXXX Transaction amount {$10.00} USD Transaction XXXX Purchase from XXXX  - Amazon Gift Card USD XXXX ( US ) Transaction date XX/XX/XXXX Transaction amount {$16.00} USD Transaction ID XXXX Purchase from OffGamers - Amazon Gift Card USD XXXX ( US ) Transaction date XX/XX/XXXX Transaction amount {$52.00} USD Transaction ID XXXX Purchase from XXXX XXXX Amazon Gift Card USD XXXX ( US ) I filed a fraud dispute on XX/XX/XXXX with PayPal with the following note : I dont know who this merchant is and I dont even use my PayPal for anything and I havent in over a year. I dont have any proof to show you other than nothing. 

On XX/XX/XXXX PayPal sent me an email stating : We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. 
Based on our review, we found this transaction is consistent with your PayPal transaction history.

When I tried to contact PayPals customer service center, I kept getting errors that the system was unable to help me.

Below are the case details with my PayPal dispute : Case ID : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX I sent an email this morning to XXXX advising the following : Hello, I have not used this PayPal account and over a year. I last used this account in the summer of XXXX. 

And now there are multiple charges from a suspicious account that I disputed yet. PayPal determined that there is no unauthorized activity and told me to reach out to customer service, but it was no help. So here I am emailing. I do not have an slumber attached to this PayPal and I did not authorize these transactions. Please remove them from my amount! 

All the purchases were across a few days with what awards to be duplicate purchases, all of which are for Amazon gift cards of varying amounts. When I XXXX  the account, I see theyre often used in scams. 


Please remove these charges from my amount! I have attached a few screenshots for your reference! 

Thank you, I would like to advise that I have some been married, changed my name, my email, my phone number, moved addresses, and never knew I had a PayPal line of credit ( evidently I have {$1300.00} in credit, but I never applied for it ). 

I have never used this PayPal line of credit and I dont even know when it was opened/issued. 

It appears to be that someone attempted small amounts and once it cleared they continued with increasing amounts until I caught on. 

Please help me in resolving this issue as PayPal now shows I owe them {$95.00} and I do not believe I am responsible for this!

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 non-monetary relief