Consumer complaint received 2023-06-18
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchase clothing online from XXXX XXXX and used their site and PayPal Credit since it was offered and it was offer no interest with Paypal for purchase made at XXXX XXXX if balance was paid in full with 24 months. 

So i purchase clothing items online of about {$550.00} worth us paypal to pay it and when the merchant ship the order and took payment. I should have be required to sign for the package as I have a Signature Require with XXXX, XXXX, and USPS unless the merchant authorizes the release and overides my sign required hold. In this case that is what happen the order with delivered by XXXX in three white shipping bags that where thrown on my porch and the bags where open and ripped and had one piece of tape on themin attempts to keep bags from being notice open which I took pictures of when i got home and saw them. I contacted the merchant and requested a return and refund. The merchant refuse to refuse money charged me return shipping fee. and confirm receipt of return this all within 14 days of purchase. I received confirmation they received return. but not refund and they claim to email me a egift card store credit for the amount when i requested and demand my Credit Account with Paypal that was charges be refunded. Merchant has not refunded anything to my paypal account. I have disputed the billing and charge with PayPal and PayPal Credit and the allow my dispute but come back in favor of merchant and stated a pruchase was make, and if I want refund I must return the items are you kinding me I did return items, I never signed and or accepted the packages and delievery and XXXX, USPS, and XXXX have on my online account restricted delievery address requires signature to delievery. The pacakages and items were delievry not as purchased and agreed, the items were damaged and open and not in new sealed conditions, if I had been present at delivery I would have refuse delievery due to condition of packages ( 3 Bags ) and again requested and demanded a refund and I paid for good to be delivery in a certian condition which the merchant and courier fail to down and therefore intitled to a refund upon return receipt of items from merchant which I received and which merchant charged me {$7.00} for shipping of returns to them. 
I disputed the matter with Merchant and attempt to resolve with no success, I disputed with Credit Company the charge that I was charge for items that I received outside scope of assume agreement on a online order and purchase and one did accept and or sign for it and therefore didnt accept the condition of items states during delivery and the items return merchant and my credit account should be refund in full or dispute should be in favor of me Of and now all my letters and there finding are not longer available to be to print and or save

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 explanation