Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

I purchased a computer through Amazon on XX/XX/XXXX and have not received the refund to my card. The card is a Synchrony Bank Amazon store credit card. I have proof from Amazon support that a refund was issued to Synchrony Bank and it has been 110+ days since the refund was requested. Synchrony had a 90 day wait period and has since been actively doing nothing to help in resolving the matter. This is appearing on my credit score as a balance owed. 

I have made multiple attempts to try to reach out to them via phone, email and through their online customer chat option and I am given the same run around every single time. The run around being, they tell me I have to wait 90 days and there could be delays. 

The time line is XX/XX/XXXX Computer was purchased from amazon Order # XXXX Amount {$1400.00} XX/XX/XXXX received the computer/ discovered issues and sent out a return request as there was missing parts and the item was not built according to specs. 
XX/XX/XXXX Amazon sent an email confirming the merchant issued a refund to snchryon XX/XX/XXXX I shipped the item in a ups store in XXXX XXXX NY using amazon provided label XX/XX/XXXX The item was confirmed returned by XXXX XX/XX/XXXX Email from amazon confirming the item was returned to them on the XXXX XX/XX/XXXX Synchrony sent an email communication confirming they would open the dispute of the failure to issue a refund to my account. 
XX/XX/XXXX Amazon sent an email requesting more information regarding the unauthorized charge to my account to which I responded. 
XX/XX/XXXX I received another email from amazon confirming a refund was issued on XX/XX/XXXX for {$1400.00} also claiming that the refund would show in 3-5 business days from my bank, in this case Synchrony bank XX/XX/XXXX I received an email from amazon customer support apologizing for the insane amount of nonsense I have hade to wade through XX/XX/XXXX synchrony bank sent an email opening ANOTHER dispute. This is when I received from them in the mail the first letter claiming that they will not issue a refund as they found nothing wrong with the account. 
XX/XX/XXXX Message from amazon customer service acknowledging that synchrony bank has been issued the request to refund the amount charged. 
XX/XX/XXXX Synchrony bank sent a message saying that I have not once attempted to reach out regarding the refund XX/XX/XXXX Response sent out to amazon USCARDSUPPORT was sent out with information regarding the refund XX/XX/XXXX I received a confirmation response sent on the XXXX XX/XX/XXXX I sent a message through synchrony banks online website with documents showing amazon confirmed they need to refund the amount was told to wait 10 days through their automated response XX/XX/XXXX I have a confirmation from synchrony that they have done nothing to look into the matter I have attached multiple supporting documents. I would greatly appreciate some help here as I feel like I am being cornholed by these guys. Thank you for everything you can offer to help.