u/NateNate60

I pay my credit cards off regularly every month and I set reminders to do so. This credit card had a due date of 17th June. I paid this credit card through my PayPal account on the due date, and the transaction log generated by PayPal showed a payment date of 17th June. The only way to pay this card online is through PayPal. I immediately got an e-mail from PayPal thanking me for making a payment. That e-mail was dated 17th June.

Edit: The cutoff time for payments was 23:59.

Shortly after midnight on 18th June, I got an e-mail from Synchrony Bank saying it would post to my account later that day.

Then on this next statement (today), I see I got hit with $66 in interest and I called them to inquire about it, and they said their system logged my payment shortly after midnight. I complained about this and they said it must have something to do with time zones because their systems ran on Eastern Time while my address was in the Pacific Time Zone. I told them I made the payment on time shortly before 21:00 PT (which would be midnight ET) and I asked if they could waive the interest charge.

They said that the system will automatically charge interest even if the payment is "one second late" and they would not remove the interest charge under any circumstances, although the late fee could be waved (there wasn't one, because I had made a partial payment earlier in the month using extra money I had in my PayPal balance). I told them I would pay off the account and close it right then and there if that was their attitude towards it. And I did.

Should have known better than to trust the customer service of a PayPal product.

Selected quotations:

> [Gold dealer] Soldat, in early May, called the Kent County Sheriff's Office, which quickly recognised the gold-buying scam. This one, based out of India, where scammers convinced the [79-year-old] widow, by computer and phone, that her social security number had been compromised.

> Sgt. Scott Dietrich, KCSO: The suspects, posing as federal agents, talked them through, "We don't want you to lose all your money; you need to take all the money out of your accounts and go buy gold bars." > > ... > > Sgt. Dietrich: We had our detectives get on it right away. They developed a suspect, using several different techniques, including licence plate readers, we were able to locate who the suspect was and determined that he was coming from out of state.

> Soldat: So, when the undercover detectives showed up, dressed as an 80-year-old woman, we had to quickly throw together a package quickly, with something that looked like gold coins. Some of the employees here had the brilliant idea of using some of our chocolate coins.

> So in the end, [the alleged scammer] Youg Chohan got chocolate coins, and two twenty year felonies: false pretenses, and using a computer to commit a crime. He remains here in the Kent County jail as the case works its way through the court system.

Roses are red, he's in too deep

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Synchrony Bank applied a payment made on the due date for my PayPal Cashback Mastercard to the next day, charged interest, then refused to waive it when asked

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