SYNCB/PPC on a credit report is a PayPal Credit account reported by Synchrony Bank. The line confuses people because nothing on it says PayPal: SYNCB is Synchrony’s bureau abbreviation and PPC stands for PayPal Credit, the digital credit line that used to be called Bill Me Later. If you have used PayPal Credit at checkout, the account is real and the entry is probably right. If you never opened one, or the balance, dates, or late payments are wrong, the FCRA lets you dispute it with the bureaus and directly with Synchrony — and holds Synchrony responsible for what it reports.
What SYNCB/PPC is
Synchrony Bank bought PayPal’s U.S. consumer credit portfolio in a deal that closed on July 3, 2018 — roughly $6.8 billion in receivables, according to Synchrony’s investor announcement and contemporaneous press coverage — and became the exclusive U.S. issuer of PayPal Credit. It still is: PayPal’s own help pages state that the PayPal Credit digital line and the PayPal Credit card are issued by Synchrony Bank, and the physical PayPal Credit Mastercard launched in 2025 is Synchrony-issued. The tradeline usually reads SYNCB/PPC; some bureaus render it SYNCB/PAYPAL. Synchrony reports it like any revolving account, with the credit limit, balance, and monthly payment history, which is why a PayPal Credit line you forgot about can be quietly shaping your score. The same bank sits behind dozens of store cards under other codes — our Synchrony Bank page decodes the rest of the SYNCB family.
Why a SYNCB/PPC entry can be wrong
PayPal Credit is opened online in minutes, which makes it a frequent vehicle for identity theft: a thief with your Social Security number and date of birth can open a line, spend it, and leave the charged-off balance under your name, often with a collector attached. A line belonging to someone with a similar name can attach to your file as a mixed credit file. Promotional “no interest if paid in full” purchases produce their own disputes when deferred interest is assessed and reported as a balance you did not expect. Accounts paid off or closed sometimes keep reporting, and a charge-off that has aged past the seven-year limit must come off regardless of what Synchrony says about it. A SYNCB hard inquiry you never authorized is covered in our post on unauthorized credit inquiries.
How to dispute a SYNCB/PPC account
Pull all three bureau reports and note the account fragment, open date, and balance on each. Dispute in writing with every bureau reporting the item — our credit dispute letter guide covers the format — and send a direct dispute to Synchrony. According to the current PayPal Credit cardholder agreement, disputes about information Synchrony reports to the credit bureaus go to Synchrony Bank, P.O. Box 71727, Philadelphia, PA 19176-1727; confirm that address against your own agreement or statement, because Synchrony has changed its dispute boxes before (older agreements used an Orlando address). PayPal Credit customer service is 1-844-373-4961 for the digital line and 1-844-209-7457 for the card, according to PayPal’s help center. Under 15 U.S.C. § 1681s-2(a)(8) a furnisher must investigate a dispute sent directly to it, and under § 1681s-2(b) it must investigate the dispute a bureau forwards, within 30 days either way. Keep everything, including a bureau result that comes back “verified” — that letter is the evidence.
A PayPal Credit billing dispute is not a credit-report dispute
A charge you do not recognize on a PayPal Credit statement, a refund that never posted, or a purchase billed twice is a billing error, and the Fair Credit Billing Act gives it its own procedure, separate from the credit-report dispute above. Send written notice to the address your statement gives for billing errors so that it arrives within 60 days after the first statement showing the error was sent. The creditor must acknowledge it within 30 days and resolve it within two complete billing cycles, and in no event later than 90 days (15 U.S.C. § 1666(a); Regulation Z, 12 C.F.R. § 1026.13).
The credit-reporting protection is the reason to use it. Once the notice is received, the creditor may not report the disputed amount as delinquent, or threaten to, until it has finished that process and given you the usual time to pay. If you write again within that time to say the amount is still in dispute, it may report the amount as delinquent only if it also reports that the amount is in dispute and tells you the name and address of everyone it reported to (15 U.S.C. § 1666a; 12 C.F.R. § 1026.13(g)(4)). A late mark on SYNCB/PPC for an amount you had properly disputed as a billing error is a reporting problem in its own right.
Deferred interest, and when a jump in the balance is an error
PayPal Credit’s promotional financing works on deferred interest. The Consumer Financial Protection Bureau explains that if a deferred-interest balance is not paid off in time, interest going back to the date of the purchase is added to what remains, and Regulation Z’s model disclosure for credit cards says the same: interest is charged from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment. A sharp rise in the reported SYNCB/PPC balance the month a promotion ends is therefore usually accurate. It becomes an error when the interest was charged on a balance you did pay in full on time, or after a payment that was never credited — and for that, the billing-error procedure above comes first, because the creditor may not report the disputed amount as delinquent while it investigates.
If the charged-off balance was sold or sent to collection
A PayPal Credit balance left unpaid long enough is charged off, and the debt may then be placed with a collector or sold, which can put it on your report twice: once as the SYNCB/PPC charge-off and again as a collection account. The seven-year reporting limit does not restart when that happens. For an account placed for collection or charged off, the seven years begin 180 days after the start of the delinquency that immediately preceded the collection activity or charge-off (15 U.S.C. § 1681c(c)(1)). A collection entry for an old PayPal Credit debt that shows a later delinquency date than the original account, or that is still reporting after that window closes, is an error to dispute with each bureau.
When it becomes a legal claim
A furnisher that keeps reporting an account as yours after a written dispute, or verifies a wrong balance without checking its own records, violates the FCRA’s furnisher duties; a bureau that keeps the item after a dispute violates its own duty to reinvestigate. Both are compensable: actual damages for the credit denied or the rate you paid, statutory and punitive damages where the violation is willful, and attorney’s fees, which is why we handle these cases on contingency. SYNCB/PPC sits alongside SYNCB/CARECREDIT, SYNCB/AMAZON, and SYNCB/LOWES on our Synchrony Bank page and in our creditors and lenders directory — and our credit report dispute lawyer practice covers what happens after the dispute fails.
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Published by The Kim Law Firm, LLC — about attorney Richard Kim. Last updated October 2026.