Consumer complaint received 2016-09-09
Company: SYNCHRONY FINANCIAL
State: WV
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I reported through Paypal after not receiving a response from the on-line merchant that the XXXX separate annual subscriptions were found to be unusable and DID NOT provide what the subscription stated I would receive. Their site did not provide customer service, however, by filling out your automobile 's Make, Year, Model and what should have been it 's VIN No. the Consumer would easily discover if there had been any XXXX which they could print off and take to the dealer or any additional formal RECALLS such as the Air Bag Recall which XXXX is still reporting they do not yet have at my only XXXX Dealer in my area. It has been over six months since I received this recall and this site was to provide any updated information. However, it did n't even narrow down the TSBs to my particular model and there are as many as XXXX different versions of the same XXXX. It also did n't pay any attention to the Consumer 's Profile that listed this information. The Vendor was XXXX and used XXXX as their site. Once I was inundated with pages of listings of every XXXX ever issued, it was impossible to even find XXXX that was specific to my XXXX vehicles which I purchased a subscription for XXXX. I immediately emailed the company for an immediate refund but did not receive a response. Having heard nothing, I then logged onto my Credit Card Site which is a complete mess as it is merged with Paypal and while my card state that it is a Paypal Credit Card, the previous name remains. When logging in the customer has to then choose the credit card site and with any other credit card, I can then easily dispute the charges and begin the process of contacting the merchant via the credit card processor. Unfortunately, Paypal uses Synchrony which I find very difficult to deal with and was directed to Paypal RESOLUTION Site. According to the Credit Card Act and other laws regarding Consumer Protection, I am to receive a temporary credit of those charges until the matter is resolved. Usually, the temporary credit is eventually taken off as the merchant willingly issues a chargeback. However, this new XXXX Site forced me to first try to resolve the issue with the merchant plus it would ONLY allow me to dispute XXXX item when there were XXXX of the same amount. This occurred in XXXX although their dates are incorrect. The transactions had not yet posted to my new Statement. Although once they did, I was still unable to dispute any other transaction which I continually notified Synchrony and Paypal of to no avail. They also would NOT issue the temporary credit until so many days had passed for the merchant to respond to the dispute. When I finally was able to move the matter to a higher level, I was instead presented with a compromise solution by Paypal because the Merchant had still never responded. It would NOT allow me to proceed or refuse the compromise which they calculated somehow by making the amount of the Credit almost half of the charge. And the ONLY reason it has been this many weeks is because Paypal tries to have the customer forget the timetable and the matter is closed automatically. I could not move the matter forward but it stated that it would close in four days so I took off {$5.00} each but when I hit submit it would n't take that either. Moreover, Synchrony was still showing that I had a payment due in less than nine days of the amount of the disputed items. I then tried to use the card for a small amount and it was denied. Synchrony had placed a hold on it as if I was at fault or had done something that warranted my card being frozen. The matter is still not temporarily credited to my account and if I do not pay the minimum amount, it will be reported to the Credit Bureau. Now this is a clear violation of my Consumer Protection rights and the Bill Payment Act. I have now found the status to be under Paypal 's Review???

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