Consumer complaint received 2024-02-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2022, I went to the XXXX XXXX store at XXXX XXXX XXXX, XXXX XXXX, FL XXXX to purchase a Twin XL mattress and a base for it through a loan, the person who assisted me submitted the request and I obtained an approval of {$1000.00} with XXXX SYNCHRONY, then I began to look for what I needed accompanied by the salesperson who assisted me, to whom I specified on several occasions what I wanted ( Twin XL mattress and base of the same size ) the salesperson began to recommend and offered me a Twin, I told him NO because I needed a bed a little bigger like the Twin XL even though I had to pay the difference from what they approved me for, but the seller continued insisting that the one he was offering me was the same size as the one he was offering me. the one I ordered ( Twin XL ), to which I replied that if he assured me that it was the same size as what I ordered then there would be no problems and he told me that when the delivery arrived at my house that he would check that Everything was fine, and if it wasn't right, I would return it to the delivery at that time. I proceeded to make the purchase that totaled {$920.00}. The next day, XX/XX/2022, the delivery arrived, they asked me to sign before opening the package, when I opened it I immediately realized that it was not what I had ordered, it was very small, I noticed that it was not what the seller had left out. send me because I put it next to a Twin XL bed that I already had and the difference was clear and also the mattress was quite dirty not suitable for sale, I immediately called the delivery man who was still at the door of my house, I told him to took it and his response was that he couldn't do it, he recommended that I call the store and he left leaving the merchandise, I immediately called the store and no one wanted to give me explanations, I asked to speak with the salesperson who assisted me and supposedly he was not there, now that no one could help me in the store and they took a non-responsible attitude, realizing at that moment that they were scamming me, so I called the bank that granted me the loan ( loan that had not yet been paid, it was in process ) SYNCHRONY BANK, They told me that they were going to investigate, I kept calling the store daily to communicate with the seller and it was impossible, I contacted the store with the complaints department and according to them they could not help me, 15 days later I was able to communicate with the seller, and He told me that there was nothing to do but keep the merchandise because I had already signed and there was no return. According to him, he sold me a product without a return, but at the time of the sale he did not explain that clause to me, nor did he tell me that the merchandise It would arrive in poor condition, I again contacted SYNCHRONY BANK and filed the complaint, which they answered on XX/XX/2022, ruling in favor of the XXXX XXXX store because they provided a copy of the sales contract. where it says that the merchandise can be returned or exchanged for no reason, but at no time did they take my reasons into account : 1- They did not specify that point to me on the contrary, the seller told me that he could return it to the delivery and that was not the case. 2- They sent me a different product than the one I ordered and it was in poor condition ( very dirty, not suitable for sale ). 3- I requested the cancellation of the loan when they had not yet deposited the store. 
The merchandise is still in my house in a small closet, I never used it, you can pick it up at any time if you want, I hope that now you can help me, the way that store sells, I consider it to be a scam for the consumer, THANK YOU.

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