Consumer complaint received 2020-11-21
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid {$500.00} for a bed from XXXX XXXX XXXX in XX/XX/2020 with PayPal credit run by Synchrony Bank. 
I called XXXX XXXX and told them to stop the shipment of the bed. They did. 
It was re-routed to XXXX XXXX, Tx on XX/XX/2020. 

[ XXXX XXXX Full Bed with Under Bed Drawers in Antique Grey ( Qty 1 ), was returned to your company. Delivered to Sender XX/XX/XXXX, XXXX XXXX, Delivered XXXX XXXX, TX The XXXX XXXX tracking # XXXX - The bed was received on XX/XX/XXXX XXXX XXXX At local XXXX facility XXXX XXXX, TX. ] I received an email from XXXX XXXX XXXX stating : Return Method : Drop off at XXXX FREE Refund/Replacement Estimated Value** {$480.00} XXXX XXXX XXXX stated to send it back is FREE but they are only returning {$480.00}. 
I told them I want my full refund of {$500.00}, that XXXX XXXX  did not deliver the bed to me and it was sent directly back to XXXX XXXX  XXXX. 
XXXX XXXX  XXXX said as soon as they receive the bed they would refund my money. It has been sitting in the XXXX  XXXX warehouse since XX/XX/2020. 
XXXX XXXX  XXXX are running a scam. They know if they have the bed delivered to their warehouse they will have to refund my money. They are lying to Synchrony Bank stating that I have the bed, because it shows the bed never got to their warehouse. 
XXXX XXXX  XXXX must have stopped its delivery back to their warehouse, because when I checked a month ago the bed was still in the XXXX XXXX XXXX XXXX facility. 

XXXX XXXX  XXXX said I would receive a refund on XX/XX/XXXX. I never received the refund because they stopped their bed from being shipped back to their warehouse. 
XXXX XXXX  XXXX kept promising to return my money but never did. Every time I spoke to them they had a different story as to why I did not return it. 

THEY ARE THIEVES AND ARE RUNNING A SCAM. 

I filed a complaint with Synchrony Bank. 
They are either incredibly XXXX, too lazy to do their job or have been paid off by XXXX XXXX XXXX to commit fraud. 
They just ruled against me and used XXXX XXXX  XXXX lies to do it. 
I downloaded the 2 documents they just emailed me. 
I am on hold right now with these useless pieces of garbage to file another dispute. 

I told the customer service rep who answered my call -- -- -- -- - 1 ) I have no bed 2 ) XXXX XXXX  XXXX has the bed AND my money 3 ) They refuse to refund my money 4 ) Your company Synchrony Bank blatantly lied when they said I received the bed 5 ) I stopped delivery. The bed is in XXXX XXXX, Tx. 
HOW DARE YOU RULE AGAINST ME. 

The worthless supervisor said she would file another investigation. I told her I sent her the link that shows the bed is still in XXXX XXXX. She said her company would not track the bed, that it's not their job. 
I told her IT IS YOUR JOB. I said all you have to do in click a link on your keyboard. You will be able to see the company is lying to you, that the bed is in XXXX XXXX and not in PA where I live. SILENCE for several seconds on her end. 
She had no answer. 
All the investigator had to do was hit one click on his keyboard. 

This is why I think they are as corrupt as XXXX XXXX XXXX, that XXXX XXXX XXXXXXXX paid them off.

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