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Report: #1508798

Complaint Review: Synchrony Financial / Synchrony Bank / Pay Pal Credit - Draper Utah, Nationwide

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  • Reported By: Angry Customer — Florida United States
  • Author Confirmed What's this?
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  • Synchrony Financial / Synchrony Bank / Pay Pal Credit 170 WestElection Rd, Suite 125 Draper, Utah, Nationwide United States

Synchrony Financial / Synchrony Bank / Pay Pal Credit Ms. Margaret M Keane (CEO), Joy Howard, Christy Smith Call Center managers, many other call center peope Will not remove charges for product I did not buy on PayPal Draper Utah, Nationwide

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            I use PayPal Credit / synchrony Bank to protect my bank account when I order online. It had been working fine until 10/27,28,29/2020. I made an online purchase for supplies at TSC in my town. The next day I got half the order delivered from another TSC branch in another town with a delivery fee. I refused it and told them to cancel the order. I called my local store and cancelled the other half of the order. They had split the order without my knowledge to do a deliery for feed their system showed short in my local store, but which was in fact available there. 

Then I went into the store and bought what I needed on my bank account, NOT PAYPAL since TSC does not ttake PayPal in stores only online.  10/ 28 and 10/29 I got TSC refund emails for the two orders with time, date, verification codes. Then verified by PayPal emails of the refunds one for $54.74 and one for $55.24. I have hard copies of all refunds, online orders and cancellations.

          PAYPAL CREDIT / SYNCHRONY BANK HAS NEVER APPLIED THOSE REFUNDS TO MY ACCOUNT. Instead they "made an adjustment" to each of the small charges to put them into special financing AFTER THEY WERE CANCELLED. They kept adding interest and then when I called in to straighten the issue out they doubled the two charges instead of removing them. They misapplied one refund to Paypal balance not to the Special Credit Finance for $54.74 which I sis not realize. I paid my cell phone bill in November which they used part of it for instead of my bank account. Then In February they decided to use the balance of it for payment toward another TSC Credit bill.

They have been misapplying my monthly payments to different payments instead of the specific amounts I send for pay off of credit purchases. I just sent one in specifically to pay off accrued interest as per their payment form. It was applied instead of part of a large purchase rather than to the clear out all accrued interest? BAD ACCOUNTING PRACTICES to create more interest.

        SEVEN MONTHS I HAVE BEEN ON THE PHONE WEEKLY TRYING TO GET PAYPAL CREDIT TO STRAIGHTEN OUT THIS ACCOUNT. There should NEVER have been charges for $54.74 or $55.24 AS I NEVER PURCHASED ON PAYPAL FROM TSC on 10/28 or 10/29. Each phone call center person gives me the run around that the account can not be repaired by them , only their dispute department. THIS IS BANK FRAUD AND 100% ILEGAL. 

This report was posted on Ripoff Report on 06/08/2021 10:31 AM and is a permanent record located here: https://www.ripoffreport.com/report/synchrony-financial-bank-pay/draper-utah-nationwide-ms-m-1508798. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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