What PayPal Credit, or should I say Synchrony Bank which took over PayPal, is doing, is predatory at best and feels illegal, to say the least. I have posted here months ago about this situation, but it has gotten worse, rather than better, since. They have resorted to a practice of applying payments to promotions in such a way that it's all but impossible to avoid interest if there is a mixture of so-called 12/24-month Easy-Pay promotions and 6-month promotions. In 25 years of being a PayPal customer, I have never seen anything as ludicrous as what has taken place over the course of the time since Synchrony took over. Instead of being able to just pay off a 6-month promotion, one has to call in and request that a mysterious "backend team" re-allocate the payment in such a way that the payment actually pays off that promotion which is due the soonest and accrues interest if not paid in full by a certain date. For this manual labor, the backend team needs "about" 1 or 2 billing cycles "usually", which - at least for me - has "usually" not worked, requiring another phone call which then resets the clock and results in you being told that the request will be re-submitted and will take "about" 1 or 2 billing cycles. Rinse, repeat. I have wasted countless hours this past year calling PayPal Credit, always being told the same lies, and am at a total loss to understand how a bank can get away with scamming their customers like this. Just now I got out of a 2-hour session with PPC (the first two attempts got disconnected after 20mins on the phone with two separate staffers, always a call center) and followed by a "supervisor" (also a call center) who was chewing gum and used the word "like" between every quarte sentence...I could kick myself for not having recorded this phone call, as it illustrated the audacity of what is happening like no other call before...part of it went something like this (remember, this is a "supervisor" called Katelyn, chewing gum like a young teenager): "...see, like, the way this works is, like, you ask us to apply it a certain way, and we, like, I mean our backend team, like, then asks for it to be allocated, and if, like, everything goes right, it, like, gets applied within 1 or 2 billing cycles, but we are aware that something, like, happened during the transfer to Synchrony, and we have, like, tried to fix it since I don't even know when exactly, but it, like, still isn't working right, so we're, like, really sorry for the inconvenience, but there isn't really anything else that we can do." I mean, what does one say after that?! After 6 months of useless phone calls with a 180 pulse from shock and awe, I finally gave up just now and asked to let me pay off my entire set of promotions at once, plonking down almost $3,000 that I don't really have, but felt like I have to pay like a ransome, just to be able to live my life again like I am not being held hostage by a predatory bank. I seriously doubt that this will be the end of it, bc why wouldn't they find a way to somehow misallocate this payment, but hope always dies last. PayPal Credit, aka Synchrony Bank, shame, shame, shame on you.
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