Consumer complaint received 2019-03-26
Company: SYNCHRONY FINANCIAL
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/XXXX On XX/XX/XXXX, I contracted XXXX in a phone conversation, to write a 55-page essay for me in the amount of {$580.00}, Title : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX specifed a finish date that they would be done with the project. When the deadline was up, they had only done 12 pages of the agreed-upon 55 pages. Enclosed is a PDF attachment of the correspondences with XXXX  and what transpired doing the time they were working on the essay. When they failed to meet the agreed upon dead-line date, I requested a refund in the full amount of {$580.00}, to be refunded back to my PayPal account, in which they did not comply.

Why would Paypal pay someone the full amount for a project, when they have not started working on the project? They should check with people in question as to how the project is going. There is a scam report enclosed in the document correspondences from other people that was dissatisfied with their work. I have not received payment to my PayPal account for services that were not rendered on XX/XX/XXXX. It was imperative that this matter was to received their immediate attention. 

When they refused to return the money to my Paypal account, I called Paypal and put in a dispute against XXXX. Shortly after I filed the dispute, I get an email from PayPal stating my dispute had been denied and that I was responsible for the {$580.00}. I spoke with the people in the dispute department at PayPal and I appealed the payment that was due and they told me that I had 24 weeks to pay the balance or they would turn it over to a collection agent. Since that time about ten weeks have passed, they have started charging me late fees for not making payments on the unpaid balance. 

I wrote a letter to PayPal corporate headquarters and specified in detail what had transpired and hoping that they would step in to get this resolved. I requested that they send a letter back to me in the mail stating their findings. I never heard anything back from them. I also, wrote a letter to PayPal dispute department requesting the correspondence that XXXX sent to them, from an email sent to me from Paypal on XX/XX/XXXX so I would have a general idea of why they decided to deny my dispute. I never heard back from them. 
It was my understanding that since they gave me the 24 weeks to pay the account off, there would be no late fees. Is it lawful for them to do this? All I ever wanted to do from day one, was to get this matter resolved and get it behind me. PayPal have been my payment method since XXXX, and I have never run into a problem when XXXX was associated with them. 

There is something that dont hold true in this email from PayPal dated XX/XX/XXXX and XX/XX/XXXX. On the email dated XX/XX/XXXX where it states ( next steps ) and the one dated XX/XX/XXXX where it states ( Hello XXXX XXXX ) please see if you can make something from the dates that they were sent to me. Please read the PDF format correspondences that I had with XXXX and PayPal and it will give you a better overview of what has transpired. Hopefully, with your help I can get this matter resolved and behind me.

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