Money transfer, virtual currency, or money service -- Unauthorized transactions or other transaction problem -- Complaint #8356416
Complaint Overview
Complaint ID: 8356416
Company: Synchrony Financial
Product: Money transfer, virtual currency, or money service
Sub-Product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem
State: Oregon
ZIP Code: 971XX
Date Received: 2024-02-15T12:00:00-05:00
Date Sent to Company: 2024-02-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
XXXX XXXX, 2023. Hacker got into my phone, used PayPal to order 5 {$100.00} cash cards from XXXX XXXX, another {$100.00} card through PayPal credit, and used XXXX to send {$250.00} from my checking account to someone named " XXXX XXXX ''. I discovered the problem and immediately called PayPal, Synchrony Bank, and XXXX XXXX XXXX XXXXXXXX to alert them to the problem. I then called all my credit cards and reported what had happened, and factory reset my phone. Synchrony admitted hacker fraud and expunged the {$100.00}. XXXX XXXX XXXX XXXX did the same and refunded my {$250.00}. PayPal opened a 'fraud investigation ', but never removed the {$500.00} from my account. After numerous calls to PayPal, and numerous passes from one customer service rep. to another, I got no decision from them, other than " we're still working on it ''. Six weeks later, I receive a debt collection notice in the mail. PayPal 's " fraud investigation '' is a joke. They said the purchases were " typical of my spending habits. '' I have never bought ANYTHING from XXXX XXXX, nor have I EVER purchased a cash card through PayPal. I am continuing to pay PayPal for the purchases I did make previous to this incident, and when that is concluded, I will cut off any further communication with PayPal.
Frequently Asked Questions
What is Complaint #8356416 about?
Complaint #8356416 was filed against Synchrony Financial regarding Money transfer, virtual currency, or money service specifically about Unauthorized transactions or other transaction problem. It was received by the CFPB on 2024-02-15T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Money transfer, virtual currency, or money service) and describe your issue in detail.
Can I see other complaints against Synchrony Financial?
Yes, visit the Synchrony Financial company profile at readthecomplaint.com/company/synchrony-financial to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.