Consumer complaint received 2021-05-24
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XXXX XXXX I went to XXXX XXXX and purchased some beds. I was unhappy with the purchase and was promised that if the price went down within 60 days or I was unhappy, I could return it. The salesman lied to me. I have a bed that I purposely bought to help with my health and have had two XXXX XXXX in the last five years. I am on XXXX and have tried everything to purposely help my back to get better. To spend so much on a bed is a lot to have issues!!!! I also paid money out of if pocket on another card to XXXX XXXX. The warranties are void and the beds are all so uncomfortable. I purposely went here due to the return policy and money back guarantee and price protection if anything went down in 60 days. Well, XXXX XXXX declared bankruptcy on XX/XX/XXXX or XXXX of 2020. I immediately called the store and went up there with no success. Then the stores decided to close completely due to covid and do not answer any phones. It was all over the internet and TV in Michigan as XXXX XXXX used to be a great business until it was sold off a few years ago. They did decide to open back up in XXXX of 2020 and had a liquidation sale. I was promised that I would get 60 days and price protection as well in the 60 days if the prices went down or a refund if I was unhappy with the beds. I have tried to dispute this with synchrony bank numerous times and was promised that I did not need to send in paper work or make a payment while this was in dispute. They said all the late charges would be refunded. I even tried to make payments so my credit would not get messed up due to the dispute but they would always cancel me payment since it was in full dispute. I have late charges on there and they finally gave me two letters. One that I received was not even mine. It was another customers with their personal information on it mailed and addressed to me!!! Then, they gave me a letter and said I can no longer dispute this and that I was o to getting the {$700.00} fromXXXX XXXX in their favor. I called them and asked what number are you calling for XXXX XXXX as I would like to call them. They said to XXXX it. The number does not work. They have totally given me the run around from a store that they provided service from and self me someone elses information!!!! So back to XXXX XXXX opening back up. I went in there, got photos of the items I purchased and proof of the price going down. They had commercial. They then opened up under XXXX XXXX which is now also filing bankruptcy. Nobody has helped me and I am stuck with a {$10000.00} bed with a giant gap in it that is not comfortable at all!!!! I even have auto pay set up with synchrony bank and they still will not remove the late charges. I was transferred to five different people and finally the woman was very rude and she said that I did get the letter. Well I did not get in time due to the mail being delayed and was charged another late fee. She said we already removed late fees for you. It is the law and they promised me I was going to reimbursed for all the late fees while in dispute. No, I literally had to call every single month and be transferred all over the place and was given so many wrong numbers from multiple representatives at Synchrony Bank. Nobody ever could do it and you have to wait until the dispute is closed I was told every single time. I have proof of the beds being uncomfortable, the prices going down during the liquidation sale when they did open up briefly and proof of this giant gap in the bed. I have bought aftermarket products that do not work to get the crack out which is a 6 inch gap or more. Its not my fault the salesman lied to me and that they filed bankruptcy. I have to go and buy a new bed again through sleep number so I dont have the gap and spend another $ {$10000.00}. I have turned this in on here before and nothing happened. Nobody ever called me or wrote me or anything. So, I am asking what can I do to get my money back due to the promise bing broken since they filed bankruptcy and Synchrony Bank will absolutely not help me at all??? I am going to attach all the proof including if it will allow me the latest commercial I got of the XXXX XXXX filing bankruptcy and everything must go with no prices denied. I really need help and want to sleep. Its literally impossible on this bed yet I can just go out and purchase other ones with this still having all this money owed on it. Please call, text, or email me back. Ok I am looking forward to collaborating wit you to get this issue resolved once and for all.

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