Complaint Review: PayPal.com - Internet

 You can see my other articles related to this update looking under happy shopping, BlueCare Express, and Amazon. Back in October 2022, a merchant using imbedded code was able to sneak themselves on an existing legitimate order, where it showed up after processing. That seller has since been banned after being investigated. The portion they attempted to sneak onto the invoice has been voided, yet PayPal has refused to correct the monthly payment agreement, despite being contacted by both the merchant and myself. Paying off the balance is my only option to stop PayPal from getting unearned interest. PayPal is forcibly trying to get 100% interest via their 24 month payment system. For example, the invoice was $2000 with a $100 pay back per month for 24 months. After the fraudulent sale was removed, the invoice was $1000. The 24 month payment schedule should have been adjusted to $50 a month for 24 months, but instead PayPal is still forcibly trying to get the full $100 monthly. This means they are getting $50 a month interest. Pay off the $1000 balance, they get little to no interest. If you have canceled or corrected orders with a merchant that uses PayPal, you may want to check your financing page, as despite the funds being canceled or refunded, PayPal isn't changing the interest they are trying to collect. For me just paying the balance will stop the theft, but for those who don't have this option, small claims can come in handy as a last resort. In any case, check your payment plans with PayPal, you may be paying for invoices that no longer exist.

 Syncrany bank, handles most if not all of PayPals credit accounts, not to mention almost every retailer. They are also one of the few most dishonest banks in the USA. If you pay your entire balances off each month like I do, there is no interest, no fees, that's it! Pay them off, you shouldn't have to worry. With Synchrony, you need to watch them like a hawk, if not daily, at least weekly. Every loan by them I paid off, they manipulated the actual pay date, which is why I screenshot all payments. They will always use the float pay excuse, but in reality, the day you pay them is the day it counts, not when they decide to post it to your account. Today, I got a warning from Amazon, also financed by Syncrany bank. They too were paid off in full and never used their card again. So what was the warning Amazon sent me? Turned out, Syncrany bank charged my card $10 in interest. Interest on zero balance. Should hear the recorded phone call with them, which I was allowed to do here in California when they said they too were recording. Always check your state laws on this, they differ in every state. They tried to make me pay, then saw my history with my other accounts, and notes from last small claims they lost, and quickly removed the interest. As I said in my previous reports, every account they handled, that I paid off in days of billing, they still added interest days to weeks later, on a zero balance. Ignoring even 13 cents can hit you with a $39 late fee if not addressed. Also, don't let them ever tell you it's a one time courtesy. You pay off the entire balance, you owe them nothing further. Screenshot everything, and as a reminder, don't use the phone applications, use a secure browser when paying or making payments. A phone application will give you a false successful message, and it's that screenshot you need in small claims, if it comes down to it. Not the bank statement that will only show when Syncrany chooses to post Payment. The way they work, they will have your funds the next day to do what they want with, but wait up to 21 days before posting it to your bank. Think this is my fifth report on them in under a weeks time. It's not that I keep using them, it's the merchants who split up the large orders into smaller when shipping that resulted in my dealings with them. Today, I removed any and all banks and merchants that deal with them. But for those who don't have the option to use other funding sources and stuck using Syncrany, watch your accounts! Even when you pay them off, watch them. Synchronys bread and butter isn't the interest they make, it's the late fees they tag on, and it just takes overlooking one penny to do it!