I’m a PP "Premier Member" (for what it's worth???) and have had PP Smart Connect for 9 years. Since the addition of a PP MC earlier this year (thru Synchrony) which I refused, electing to maintain my Smart Connect acct. I've had two lengthy & frustrating discussions (totaling at least an hour, involving repeated explanations to several reps) with PP without any change in the convoluted "Statement System" (PP Statement & my Smart Connect Statement). I was told the first time that my Smart Connect acct. would be linked to my PP account. So I guess it's "linked", but it took a lengthy effort to find it under "Wallet". The first rep didn't now where to find it and the 2nd rep I talked with today who seemed experienced and knowledgeable had to ask a supervisor where to find it. I tried to register a request for a more open and clear PP "account" page to the 3 reps I spoke with today and I was told it was a Synchrony Bank issue. Then I tried to contact Synchrony Bank online (to avoid further lengthy phone time and raising my blood pressure) to ask them why they don't "link" the two accounts, clearly differentiating the “PP Statement” from the “PP Smart Connect Statement” up front on my "PP Account" page. So I tried to “register” to access Synchrony online but their form wouldn’t accept my PP “Smart Connect” account number found on my statement. So the only other option was to use their generic "Concern & Complaints" r/t anything in that Banking system. I'm sure, that if they even read it, they will say that it's a PP issue (after PayPal reps told me it's "a Synchrony Bank issue)." So I doubt any reasonable clarifying action will take place. The PP Statement system is convoluted and confusing, unlike any other I have ever encountered in decades of dealing with credit cards and payments. It is SO FRUSTRATING to spend 30+ minutes on the phone whenever there's a problem with PayPal. If they don't make a user friendly Account / Statement / Billing system soon, I am strongly considering cancelling my PP account and using my non-Synchrony CC's to pay for any online purchases. This will also limit my eBay purchases, but that's OK with me too. There's no need for this crazy convoluted PP Smart Connect credit / billing / statement system. Like others have said, it's about time they get their act together - both PayPal and their Synchrony Bank connection.
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