Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XXXX XXXX XXXXSynchrony Financials Legal DepartmentXXXX XXXX XXXX XXXX XXXX XXXXCLOSED SYNCHRONY CREDIT CARD # (I DONT HAVE IT. THE ACCOUNTXXXXHAS BEEN CLOSED AND NO ONE WILL GIVE TO ME THE CARD NUMBER BECAUSE OF TERRIBLE CUSTOMER SERVICE. I CUT THE CARD UP MONTHS AGO.) XXXXPlease look up my account using these options:XXXXPHONE NUMBERXXXXXXXX XXXXLAST 4 NUMBERS OF MY SSNXXXX THE LEGAL TEAMXXXXOn XXXX XXXX XXXX I purchased from Amazon a decarboxylating machine that takes XXXX XXXX  and turns it into butter or XXXX infused milk products. The product was terrible. It did not work correctly and I returned it within the time allowed for you to accept returns.XXXXSince then I have been bombarded by Synchrony Bank that insists to extort from me the XXXX  for the product that I returned to XXXX in a timely manner, but Synchrony/XXXX  took it upon themselves to issue to me a gift card credit and have been insisting I pay for this product because they do not want to return to me my money, and as a matter of fact I have disputed this charge to you all repeatedly, over and over and over again, but yet you people keep telling me NO and insist that I owe you for a product that I returned in a timely manner. XXXXThe item was accepted as returned in a timely manner and yet I am still being pressured, coerced, intimidated, bullied to pay you people XXXX (round up to XXXX) for a product I dont have or want.XXXXI was just going to pay it and use the money for a future purchase, but I refuse to be bullied into paying for a product I dont need or want and was in fact returned to you. I dont like XXXX products. Theyre cheap and overpricedXXXXYou people are the ones who are insisting I owe you this gift card money when I never chose that that was the option I wanted for any returned items to you. The card has been closed by me and Im patiently waiting for my balance to reflect my return, where it should have been when I made the return in XXXX XXXX XXXX XXXX XXXX BALANCEXXXXWhenever I do call, you people have been sending me to Amazon to plead my case; Amazon sends me back to Synchrony to plead my case; I have been going around in circles since XXXX XXXX to try to resolve this issueXXXX XXXXIm not paying for this product. It was subpar, so please let this vendor know that I will not pay for this product. I have told you people repeatedly I am not paying for this product. As Ive mentioned I have been on the phone with reps for months and months about this situation that is not my problem. It is your problem, the vendors problem, not mine. A rep said the vendor will not take the product back??? XXXXSo I dont know what kind of relationship you have with your vendors but your vendor has to take this product back and reimburse to me my money. I will not pay for this product. You go right ahead and put my account into collections and I will take my chances with the legal system, exposing your shabby tactics to gouge this consumer.\n\nI have been in contact with a few law offices. One lawyer told me theyre working on it and theyre aware of the gift card decision by the company to gouge the consumer and to continue to pay attention to the latest newsXXXX XXXXSo I was on the phone again today with a representative from Amazon who for the fourth time has filed another DISPUTE regarding this itemXXXXShe said send any documentation. I dont have any documentation. This happened way back in XXXX XXXX  almost a year ago now. I got the letter from you saying the return was processed onto a GIFT CARD. I SAID NO, and I canceled the card. I said I wanted that money reimbursed to the account and my account XXXX  out. XXXXSo now Im being told by different representatives, different things such as regardless that the credit card account is closed you should still be reimbursed and your balance at XXXX Others are telling me you have to pay the gift card balance and then we can send you a check?? What kind of sense does that make? XXXXSo I want this balance at XXXX. XXXXYOU PEOPLE HAVE THE DOCUMENTATION FROM THE ACCOUNT REGARDING THE RETURN AND THE MANY, MANY, MANY DISPUTES REGARDING THIS TRANSACTION.XXXXIM NOT PAYING YOU THIS MONEY. IVE BEEN TOLD THAT CLASS ACTION LAWSUITS ARE PENDING AND TO NOT PAY YOU, WHICH IS THE ADVICE IM FOLLOWINGXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCFPB'

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