Consumer complaint received 2021-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Spoke with Pay pal and had to fight over a month for a XXXX transaction thru XXXX, dated XXXX from pay pal credited XXXX, as its XXXX no refund yet- credit financed thru Pay aPal set up 4 pmts. After filed a complaint over 6 weeks ago and had to fight re this scam from a XXXX vender that pay pal continues to do business with, and well aware of the companies return policy and cancellations, plus a scam, they refused to refund my money back after Paypal required me to send pics and screenshots, return at my cost in the amount {$450.00} to send it back to XXXX while pay pal low down integrity to offer me a XXXX credit to send back for a XXXX XXXX, XXXX  fee to XXXX. This clearly tells you how low down Pay Pal and Pay Pal credit is, their intent is to blow you off, buy time, require you to pay in full and never resolve issue but to mislead you to make u think they're helping so you would stop calling and in hopes that you would leave them alone and disregard the issue. They could care less if the company is doing bad business and even if comp located in XXXX doing bad business, they even admitted to me how these wig companies are the # 1 issue, as they continue to do business with XXXX and the scams that they are running. Pay Pal had no attempt in treating USA customers fairly and as long as they can make interest off of it and benefit by $ they will continue to do business with these companies and if it wasn't their intent they would stop doing it. If Pay Pal XXXX makes XXXX off of you that is a mission and a success ; bc I assure you when they respond will do everything they can to cover their mistakes and the illegal actions along with how they treat customers like myself. I spent valuable time and much efforts in getting this resolved and still after notice dated XX/XX/XXXX, l would receive a refund. Have not received-I called XX/XX/21 as their poor rep barely can speak English, cut you off and refuse to listen to the issue, they are incompetent and refuse to assist. I had to call 3 times re this issue as they hung up on me and refused gto allow me to tell them the issue. I have rights and this refund should have been completed as they still are sitting on it.They debited funds from my XXXX Debit card 4 times totaling over XXXX and claimed they'd send a check. Refund my money the way you charged me as they still have not reimbursed me, Due to the fact that they're still sitting on this, I want double the amount back. They do what they want when they want-do I not have any rights here? They play low down and dirty intentionally. Pay pal credit also sent a notice to me dated XXXX re act ending in XXXX, denial letter when I NEVER APPLIED FOR CREDIT! So XXXX  just pulling credit without out my authority, not only this- they also sent a letter telling me they lowered my credit line after a few months and never had any bad transactions unpaid or late. How dare they. As stated how many times do they get to commit illegal actions and treat me unfairly?

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