Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge 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
State: GA

Complaint narrative:
On XX/XX/year> ; I purchased a XXXX XXXX XXXX service ( {$190.00} for which I paid through paypal ) through a person XXXX XXXX who is dubious person. He promised me that the service will be available for 10 years ( I have receipt saying showing 10 years ) through an app called XXXX for which I again paid {$11.00} but unfortunately just few days after I bought it ; the app stopped working. When I reported this matter to him, he asked me to download another app and promised that this time the app will be good for the time of 10 years. However, again in 2 days this app also stopped working that's when I realized that this person is dubious and is sitting in XXXX and running a fake XXXX  system. 
This XXXX service is a very questionable and the person has charged me {$190.00} for failed subscription that did not work even for 7 days. 
For the same reason I contacted my credit card company Paypal and opened a dispute for which submitted all the related documents. However, without even going through the documents they declined my case twice and said that the merchant has delivered the product. I called them twice explaining that this is not a product it's a service which has stopped working through the said app. When I called the third time to make PayPal resolution center understand that this a service and not a product they said that this is PayPal credit case and has to be dealt with the credit department. On this I opened the case again with the credit department and when I tried to upload the documents ; this page doesn't allow me to upload the documents and gives error. However, the merchant keeps on submitting the same receipt showing that the product was delivered. Which PayPal accepts and closes my cases and on the other hand I am not even able to upload my documents because of dysfunctional website.

My point is I have been a PayPal customer for last 10 years and haven't complained about any merchant in the past. I am not able to get my money back because of their dysfunctional webpage. When I brought it to the PayPal 's attention that I submitted the documents already on the PayPal resolution center webpage and I am not able to submit it on the PayPal credit page. The customer service agent says " oh you can snail mail it to us ''. I was like it just a matter of transferring the documents from XXXX webpage to another, who has time for snail mail in this digital age?? and because of this they keep closing my case and are not providing me my money back. How can you decline a case for your faulty webpage not running. I need justice because Fraudsters like XXXX XXXX are getting away because of PayPal 's negligence and oversight of the documents I already submitted.

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