PayPal Community

US-based user here.  For about a year now, I have been unable to access PayPal Credit online.  I have had to call into Synchrony Bank/PayPal Credit and make payments over the phone.  The folks at PayPal Credit have no viable explanation for the issue.  You are not the first to post about this on these message boards.  As inconvenient as it is, you can still make your payments by the due dates by calling in and using a debit card attached to your checking account.  I don't believe they accept credit cards for payment on your PPC bill.  Best of luck! ... View more

UPDATE:   I received an email reminder a few days ago that my next payment is due, and it turns out that Synchrony Bank did NOT reverse the $29(usd) late fee after all (see my previous post).  My normal monthly payment is $43.42 but my minimum payment due is $79.42.  This is ridiculous!  For two months now, PayPal Credit users have been unable to access their accounts online.  That means we can't make payments or view statements.  The only way to access your account is apparently to call Synchrony Bank directly and it's a toss-up as to whether you will spend 5 minutes or 35 minutes dealing with them just to make a payment or get an unfair late fee reversed.  I think I'm just going to call today and pay off my balance and be done with it all.         ... View more

This has been an issue for going on two months now.  I posted a thread a while ago about my situation with PayPal Credit and how I had to call and spend over half an hour on the phone with Synchrony Bank to get a payment made, then call back a couple days later to get a late fee reversed.  I am currently on a preferred financing deal with PayPal Credit whereby I can get free interest on a purchase by paying it off in six months.  However, with the unimpressive service and functionality of PayPal Credit, I am about ready to just pay off the balance and walk away.  A credit card company would never allow this kind of issue to continue--let alone for two months!   Come on PayPal--get your act together!   ... View more

This is a known issue and has been going on for a month or so now.  The only way to make a payment is to contact PayPal Credit directly and make a payment over the phone using your bank account or debit card. ... View more

You will have to contact PayPal Credit directly via telephone.  I had the same problem and this was the only solution.  Be prepared to spend at least half an hour on the phone, though.  That is what happened to me.  Good luck! ... View more

UPDATE:    A couple days after I made my phone payment to PayPal Credit (Synchrony) I called them again and was able to get the $29 late fee reversed.  This phone call took me all of 5 minutes.  I don't know why my first phone call to pay my bill was so difficult that I spent over half an hour on the phone with PayPal, but I hope they get their act together. ... View more

UPDATE: So today I called the number for PayPal Credit.  It took me a couple minutes to get through the automated system to a live person.  I explained to that person that I had been trying to access my PPC account unsuccessfully for the past couple weeks to pay on my balance, but that I have been unable to do so.  This person verified my identity by asking for the last four digits of my social security number.  Then she suddenly said that she was going to have to transfer me to someone else because she was unable to process my payment (debit card).  I waited on hold for about seven or 8 minutes, then another lady picked up.  She had trouble verifying my identity and I told her that the previous person used the last four digits of my ss# to do so.  This lady apparently couldn't do that.  After roughly 15 minutes of back and forth and getting put on hold a few times, this lady was able to (finally) take my debit card payment on my balance.  Then I reminded her that I wanted to know if I had been assessed a late fee and after another few minutes on hold, she came back on and said that yes, I had been assessed a late fee of $29 as my payment is past the due date.  I reminded her that early on in the call I had explained the situation as to why I was paying late.  I was put on hold again for a few minutes.  She came back on and said that they can't do anything about the late fee until my payment posts in their system, which will take 24-48 hours.  Once it posts, I can call back in and discuss having the late fee waived.  I looked at the call timer on my cell phone and I spent over half an hour on the phone trying to get this resolved--and was only partially successful.  I have no idea what's going on behind the scenes at Synchrony Bank/PayPal Credit, but I am NOT impressed. ... View more

I was wondering what's up.  I've had no luck getting into my PayPal Credit account for a couple weeks or so now.  A month or so ago I used PayPal Credit to purchase an item online with their "pay it off in six months and avoid interest" promotion.  But if you miss a payment or are late, then all the interest is applied to the purchase.  I had set up an automatic payment plan for the monthly payments (due on the 23rd of each month).  I'll be contacting Synchrony tomorrow and all I can say is they better not try to hit me with the interest!  It seems to me that PayPal/PayPal Credit should be more on top of things like this, considering the impact they can have on someone's credit if there is a mess-up on PayPal's end.   I'll be keeping close tabs on this situation...   80s_Man ... View more