Consumer complaint received 2024-05-05 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: NV

Complaint narrative:
PayPal Credit dba Synchrony Bank Complicit Synopsis submitted on XX/XX/year>. 


My belief and experience suggest that PayPal Credit, aka Synchrony Bank, is complicit in fraud with transactions they process for a company, or individual, called XXXX. How they handled my dispute against XXXX was highly disgusting, inappropriate, and unlawful. Thus this complaint prays to prevent PayPal and PayPal Credits complicity actions from frustrating and harming other fraud victims.

SYNOPSIS In XX/XX/year>, I purchased {$110.00}, via PayPal Credit, several sweaters from the online pop-up advertisement calling themselves XXXX. The sweaters were to be luxurious, thick, pocketed, and hooded cardigans. Instead, over a month later, I received cheap, thin, not pocketed, sweatshirts.

Immediately, I emailed the company, waited a week for a response, and then planned to dispute the false advertising to PayPal. When I opened that link, another email address appeared. I sent the scamming seller my complaint and requested to return the garbage they sent. Days later, when no response was provided, I filed a 34-page dispute with PayPal credit , which included photos of what XXXX advertised versus received, and any email correspondence I had at that time. Again, I waited. 

Waiting for PayPal Credit to resolve this fraud, I received an email from XXXX stating they returned from vacation and would look into my order. I heard nothing further. The scamming vendor, XXXX, also emailed stating I could return the items to XXXX at my expense and then I would need to prove their receipt for a refund to be initiated. Both emails were faxed to PayPal Credit. Again, I waited. However, I felt confident that the information I provided Synchrony Bank was sufficient to warrant my purchase credit and expose the fraudulent actions of this vendor. 

In XX/XX/year>, Synchrony Bank responded to my dispute stating they closed the dispute and charged me back the {$110.00} purchase because the seller did deliver the items I ordered. Proof of delivery of a package was included. I was outraged. The bait and switch was the premise of my complaint and the cost to return the items to XXXX at my expense when free returns were advertised. I telephoned Synchrony Bank and talked to a representative. Her comments regarding how Synchrony doesnt need to follow the laws that XXXX or XXXX XXXX to and that Synchrony is not in business to lose money shocked me. But, elaborated on how complicit Synchrony Bank is in perpetuating this fraud. Details were sent to PayPal legal. A copy of my letter is attached. 

Today, XX/XX/year>, I received a {$110.00} credit to my PayPal Credit account and a letter stating that PayPal Credit Synchrony Bank has no further involvement with this dispute. No response from PayPal legal. However, my PayPal Credit account was deactivated from an online purchase. I do not know if Synchrony Bank or PayPal has disabled my account. The option to purchase an item from a regularly used vendor was no longer available. 

Regarding my XXXX dispute, the {$110.00} that was confiscated under dishonest pretenses is a small amount. However, according to a friend, he expressed that the math would indicate otherwise. If Synchrony Bank is profiting from multiple victims of XXXX, or other scammers, my {$110.00} could reach millions. Thus, I now comprehend the profit that may be involved.

Granted, scammers and unethical entrepreneurs are adept at closing their doors on one business and popping us to do the same harm as another. However, if the institutions that process these transactions allow the scammer the privilege to continue their business ( es ), that cyclic pop-up and shutdown is the vicious circle that only victims pay for. It is possible and desired, that banking institutions place people, ethics, and integrity in line with profits. 

I submit this complaint to make tomorrow a better world for all. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

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