Consumer complaint received 2023-12-19
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I went into XXXX XXXX in XXXX AZ on XXXX XXXX to choose a new couch I needed for my apartment. I chose one and when it was delivered a few days later I saw that the couch material was in bad shape, strings were coming out and it looked bad. I called them and they agreed to send out a technician to take a look at it. Technician came out and agreed it was in bad shape. He said that someone from the store would reach out after he submits the findings. In the next couple of days the store called and said that I can get a refund and they would pick up the couch, or I can go into the store and choose another couch. I went with the second option and went into to the store to choose another couch. This time this new couch I picked was double the price about {$1100.00} and the old couch was {$520.00}. They said the new couch would be delivered around XXXX XXXX, I said ok and they told me I didnt have to make a payment until I receive my new couch and the new balance would reflect on my Synchrony bank account once the new couch was delivered. I said okay and asked them if they can pick up the couch I have now which I didn't need it was in bad shape, they said " oh no its ok, keep it and we will just pick it up the same day of the delivery. '' I said ok. But I guess they expected me to pay on the couch that is NO LONGER mine when I purchased a new one, mind you, they STILL have not fulfilled there agreement on delivering the new couch. First i was told XX/XX/XXXX, then I was told it will arrive beginning of XXXX between the XXXX, and now its XX/XX/XXXX and I STILL DON'T have the couch, I've called them to ask and they couldn't see why its taking long. And no one has returned my call. I've asked them to take the old couch and they refused. I did not know synchrony was expecting me to pay for something I switched out and is no longer my property. I've worked extremely hard to build my credit. Very very hard, and when my credit score updated this month it dropped down XXXX points! I called Synchrony and disputed it and even the guy I talk to said I should not have been expected to pay or sent to collections for " late payment '' I didnt even know I had a payment. I'm very frustrated and I want this off of my credit report. XXXX XXXX has not even given me the couch I purchased, so what am I paying for? they sent me to collection for {$66.00} dollars and I'm really upset. and has greatly affected my credit. Please help me. On XX/XX/XXXX my XXXX XXXX XXXX and I got into a bad car accident, a careless lady failed to stop at a stop sign and hit us, my car is totalled and soon I would like to buy a new car, but with my credit score going down drastically it has really affected the quality of my life. I will never do business with Synchrony bank ever again. If you look at my credit history, you will not fine ONE bad unpaid debt or a bad history of payment, please please help me take this off of my credit report. Also I signed in and paid it off ANYWAY, which I shouldnt have, I just want this off my report please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief