Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
There are two issues going on here with the same bank Synchrony. On the XXXX of XXXX I made a payment to Synchrony to almost pay off my Pay Pal Credit Account {$3000.00} and My Amazon Store Card Account {$700.00}. I only left a couple XXXX on each. I added a new payment method i.e. my XXXX XXXX Savings when I was paying the Pal Pay Credit and Amazon Store Card. The following morning, I logged into my Pay Pal Credit to make sure everything was credited, and it said denied. So, I called PayPal. I had over {$100000.00} in my credit union savings. They told me it was a security issue. I said what do you mean I've had this account for 20 years. The guy couldn't tell me, so I hung up to call Synchrony and within seconds something popped up on my iphone saying scan your face and scan your driver 's license to verify your identity. The scan and imaging wouldn't do anything didn't work. I thought that was really strange why? I've had this account for years. You have to know how low and crooked this bank is. They make up fictious reasons to bounce your payments then take your money then close your account. So, when talking to synchrony, I told her I was concerned they would count this as a missed payment, and I recorded that portion of the call and made her aware of it. She said no, this will not count against you, and we will not close your account. So, after that call I logged into my XXXX XXXX Account, and I could see ( 4 ) small deposits like XXXX etc. I was wondering why there were 4 instead of two since I only added one new payment method ( remember this isn't even 24 hours after adding the new payment method ). So, I called Paypal to ask why it was there twice and they said the account duplicated so just to verify one and delete the other since it was the same then you can remake your payment. At this time I was suspicious and didn't trust them. However I repaid the payment. The following day I logged into my PayPal Credit Account and they had taken my {$3000.00} and closed my account. So I requested they immediately reopen it as this was a total scam! They have done nothing to resolve this and they have a history of habitual and systemic abuse by doing this to consumers. 

I have filed a complaint and they said it could take 45 days to resolve. It's a joke. Then the same day I set up the new payment method for my Amazon Store Card Account I set up my credit union savings to make the payment. Nowhere in the process does it say we do not accept Savings accounts for payments. So even though I set up Savings they have twice tried to debit my checking which is not what I put on file. I called and spoke to a supervisor and he put in a complaint however. I then got a letter saying we have credited your account, we hope you keep shopping with us. I didn't trust this so I logged into my XXXX XXXX Savings and nowhere was the payment taken. So then again, they came in a second time and tried to debit my checking. I don't keep money in the checking, I keep it in my savings. At no point anywhere does it say we don't accept savings account. So twice they have bounced my payment. I am now worried they will do the same scam and once I find another way to pay this {$700.00} they will also close my account. I've had these accounts for XXXX plus years. Never had any issue when XXXX XXXX was running PayPal Credit only since Synchrony took over. 

I actually saw the same day on XXXX XXXX that they did a similar thing to another girl with her account in good standing. It's all over the internet they are doing this to a lot of people. 

This is habitual and systemic abuse of consumers and should not be tolerated. I paid off my XXXX XXXX XXXX XXXX and my XXXX XXXX and had no issue whatsoever, no abuse. Accepted my payment no problem.

These people have to be stopped. What they are doing is illegal. It's a total scam!

They need to reopen my PayPal Credit as I use it for three of my businesses for over 20 years and I am not comfortable paying off my Amazon Store Card with another option because I don't trust them that they won't then close my account.

These people are RUINING MY CREDIT closing these accounts and I work very hard to keep my credit good. What they are doing is CRIMINAL!

Like I stated previously, I have the supervisor from Pay Pal Credit telling me this would not be a strike against me and they wouldn't close my account. I have this on a recorded line where I got consent from the agent to do so. 

There is a history of this company doing this. A few years ago I found out Synchrony Amazon Store Card had been charging me for years for something that I didn't subscribe to. I was due a {$800.00} - {$900.00} refund. Once they refunded me that they turned around in a day and lowered my available credit around the same amount as the credit. 

These are dirty, underhanded, criminal tactics. They are now telling me it doesn't matter what account you put we're going to debit your checking. 

I also did a three way call with my XXXX XXXX to verify with synchrony that it was the correct savings account number and there was plenty of money in the account.

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