I am a 13 +-year member of Paypal and until Synchrony Bank was given the management of Financials; what was once an efficient and accurate system previously under the exclusive purvey of Paypal, I believe, has virtually deteriorated pitifully due to either: a lack of qualified personnel, effective Financial Software Programs, knowledge of proper Banking Procedures for Account Management, lack of top levels of management acumen and diligence, mismanaged HR Standards of Hiring, Training, Direction, and Supervision of personnel, inclusively. The personal experience of interaction with Synchrony Bank, that occurred 60+ days prior to the CoronaV19 debacle, supporting my belief of their less than mediocre performance are as follows: 1. The first Billing for the Paypal Master Card was not properly encrypted properly and was processed by the Daemon Mailer as 'Spam', a file that is deleted upon opening the email account registered to receive said invoice/billing. a. The result generated a 'Late Notice and Penalty Fee of 39$' properly encrypted and delivered to the 'In Box'. My call to file an objection of the event to Synchrony Bank 'Customer Service' was subject to three abandoned 20minute holds being dropped, remedied by my leaving a 'Call Back' request. The Call Back was executed and completed the next business day. The Customer Service Representative, without hesitation, and refusing any proof of my complaint offered to remove the 39$ Penalty Fee - I refused the offer, paid the entire balance off, and closed the account. The cavalier attitude of the customer representative nullified any confidence I may have had that the event would not be recurring
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