Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing this complaint in regards to my PayPal credit account and thier mishandling of my account. On XXXX XXXX, XXXX, I attempted to pay {$30.00} to Synchrony Bank through the PayPal credit website. The payment was through direct transfer from my bank to XXXX through a third-party called XXXX. The payment said accepted on XXXX 's website and there were enough funds to cover that payment. On XXXX XXXX, XXXX at XXXX, I received an email saying that my payment was returned. On XX/XX/XXXX at XXXX, I received an email saying that I made a payment of {$30.00} on XX/XX/XXXX. I have had issues with PayPal and XXXX before and called for information on my payment and was not helped. They kept calling me repeatedly more than 7 times in a 7 day period. Synchrony Bank kept calling at all hours including before XXXX to XXXX. On XX/XX/XXXX I attempted to pay {$210.00} to Synchrony Bank through the PayPal credit website. The payment was through direct transfer from my bank to PayPal through a third-party called XXXX. The payment said accepted on PayPal 's website and there were enough funds to cover that payment. On XXXX XXXX, XXXX, I received an email saying that my payment was returned. I have had issues with PayPal and XXXX before and again called for information on my payment and was not helped. They kept calling me repeatedly more than 7 times in a 7 day period. Synchrony Bank kept calling at all hours including before XXXX to XXXX sometimes back to back, calling even after I asked them to stop calling, even after I asked for alternative ways to pay and them not providing answers. They would keep calling after being asked not, even after blocking one of their numbers they would still call from another number at inappropriate hours several times over 7 times a week leaving voicemails back to back. Synchrony Bank also provided no alternative to pay my balance, the only option was through direct deposit with XXXX. Synchrony Bank has also repeatedly overdrawn money from my linked bank account without my consent. PayPal Credit through Synchrony Bank also refuses to allow me to correct my phone number and address through their website. On XXXX XXXX, XXXX, I submitted a dispute to XXXX because I am marked as late and overdue for XXXX and XX/XX/XXXX for my Synchrony Bank credit balance. After the dispute was completed on XX/XX/XXXX, and I logged into PayPal credit, Synchrony Bank tried to remove my attempted payments on XX/XX/XXXX and XX/XX/XXXX from my statement history. I still have my email receipts and statements proving that an attempt was made to pay on those dates for the amounts of {$30.00} on XX/XX/XXXX, and {$210.00} on XX/XX/XXXX. I also called the numbers spamming me, their help line, and Synchrony Bank still provided no answers and only kept spamming and harassing me. Again, I would like to reiterate that the issues with my account were due to Synchrony Bank 's failure to resolve this issue. Customer service refused to help me in any capacity. The website will not let me update my address or phone number. Customer service was of no help to update my address or phone number. Both the website and customer service were of no help when their website failed to recognize my payments. The response from the company from my previous complaint refused to acknowledge their mistakes on their end or their refusal to actually resolve the situation. They insist I should call to change my phone number and that their phone calls were just reminders. Phone calls at XXXX then again at XXXX are not reminders, that is harassment and a violation of CFPB guidelines, it does not matter whether the calls were automated or not. I had asked them repeatedly to stop calling and again, I even blocked numbers that I asked to stop calling and Synchrony Bank continued their repeated harassing phone calls at inappropriate times from other phone numbers. I did not know this was violation I could file a report for then so that is why I am filing it now. Also, I never received a formal debt collection letter and did not know I was supposed to receive one. Again, my current address and phone number are not updated because the PayPal credit website has no way of updating it ; and when I called, more than once, before in XXXX, customer service said they could not help me and to update it through their website even after I told them the website would not let me update my information online.

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