Hmmmm, very interesting with Synchrony Bank, we have a Sam's Club MC with them and never have had any of this type of trouble. We never use PayPal to pay, I just am uneasy with that system. What we do to pay our MC is use the automated teller from Synchrony Bank, which is free, we also get our statement in the mail and can view it online. From there it is a one time authorized payment from our credit union account, they notify when the transaction goes through. On top of that they pay a kickback once a year.
The only issue was when we went out of town and they saw transactions reflecting this, just called them and they took off the hold immediately. Also we have called them and told them of our travel dates and where we were going, they put a hold on our account then too, catch 22. Sigh.
Also we have debated charges and have been successful.