Consumer complaint received 2020-08-25
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Synchrony Bank XXXX. XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Telephone : ( XXXX ) XXXX Email : XXXX According our contractual agreement the consumer had to sign for furniture, although a tracking number was provided the web site did not give specifics on an actual date or time of delivery making it impossible for the consumer to be present. 

On Tuesday, XX/XX/2020, I received an email alert from XXXX XXXX XXXX, stating a shipment had been delivered. I immediately notified XXXX XXXX  XXXX XXXX I was denied an opportunity to be presence when the shipment arrived, asked who authorized receipt and signed accepting the delivery. 

XXXX XXXX  XXXX XXXX ( XXXX ) said she would reach out to their carrier and get back in touch. I waited and never received a follow-up/call-back. I also alerted XXXX XXXX XXXX XXXX that damages appeared on outside packages therefore, I would not take receipt to make arrangements to pick up the merchandise. 

On Thursday, XX/XX/2020, I placed another telephone call and was told XXXX XXXX, XXXX, obtain my signature, and XXXX XXXX XXXXXXXX XXXX had a copy of a sign invoice showing XXXX XXXX signed accepting delivery which was impossible because I was not in the area when the delivery was made. 

I requested a copy of the shipping invoice showing my signature and alerted XXXX XXXX XXXX XXXX this was a fraudulent transaction. I did not take receipt or signed for accepting the shipment and went a step further and ensured that nobody in my household took receipt signed a shipping invoice or authorized XXXX  XXXX XXXX to leave the shipment without my consent or signature. 

Instead of their customer service representative providing a copy of the requested shipping invoice he referred to me as a criminal, said due to my XXXX XXXX, if I took legal action no one would side with me on this issue, which was one of the most unprofessional things I ever heard out the mouth of an employee and so wrong I do not have any records other than legal success stories. 

I informed their employee that not only would my home surveillance show XXXX  XXXX XXXX, delivered damaged merchandise, it also reveals no signature was obtained the delivery carrier took a picture and left the premises in attempt to force the consumer to accept damage goods and make it the consumers responsibility to return said goods. 

I also informed your employee this was unacceptable on many levels, and had no problem with taking legal action against all parties involved in any fraudulent transactions or defamatory statements made during the course of doing business, to pick up their shipment, I am not accepting receipt due to the breach of contract/damages and it created barriers for my neighbors/family with disabilities. 

To date. I had not heard back from their organization in regards to this matter nor has a credit appeared on my account showing an adjustment for the charges. Synchrony Home was offered a chance to view video evidence and refused to accept this evidence and speed up the process enabling this fraduent practice to continue.

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