Consumer complaint received 2024-11-07 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: MD

Complaint narrative:
On XX/XX/2024 I sent the below email to " XXXX. '' To date I have not received a response. While I have attempted to resolve both incidences since quite some time, neither company has been responsive and now PayPal is also non-responsive. In the meantime, charges totaling {$240.00} remain on my account while I do not have the merchandise and/or service that was paid. 

Email sent to PayPal Credit on XX/XX/2024 - " Over the past few months I have experienced two issues regarding purchases made using PayPal Credit where the merchants charged for merchandise and/or services that I did not receive, yet refused to refund me, and Synchrony has also refused to remove the charges regardless of all of the information I provided in support of my claims.

The first claim is regarding merchandise that was left at my door by XXXX. I then refused the package by taking it to the XXXX  store but the package has somehow been lost by either the XXXX store or the merchant XXXX and I am still being billed for it. 

On or about XX/XX/2024 XXXX  left a package from XXXX, an XXXX based company, at my door. I had previously requested that XXXX cancel the order but they shipped it anyway. On XX/XX/2024 I took the package to the XXXX  Store located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and handed it to the XXXX Agent, XXXX. I informed him that the package was left at my door but I wanted to refuse shipment and have it returned to the shipper. I asked for a receipt but was informed by XXXX that XXXX does not provide a receipt for refused packages. He then went on to say that I could return the package to XXXX but it would cost roughly {$60.00} to return. I refused to pay to " return '' the package since it should have been canceled. I then took a photo of XXXX in possession of the refused package. I have made several attempts to have the XXXX store track the package but they have refused stating that a request to investigate a " lost '' package would have to come from the shipper. I have sent numerous emails to XXXX asking them to file a claim to investigate the " lost '' package but they too have refused. It appears that either the XXXX store or XXXX is in possession of the package and neither is willing to acknowledge receipt. In the meantime, I am being charged {$160.00} for merchandise that is either in the possession of XXXX or XXXX. I have requested a refund of the {$160.00} charge but PayPal Credit has also refused to remove the charge from my account. Since I am unable to force either XXXX or XXXX to investigate the whereabouts of this " lost '' package, I am seeking reimbursement of the {$160.00} charge as I do not have the merchandise.. 

The second claim involves an incident in which I purchased XXXX tickets to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX The tickets were purchased through XXXX but the merchant refused to reimburse me even though the address provided was vacant. 

On XX/XX/2024 I purchased XXXX tickets totalling {$85.00} for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX event sponsored by XXXX XXXX XXXX XXXX XXXX XXXX doing business as XXXX XXXX XXXX. The location of the event was listed at XXXX XXXX XXXX XXXX XXXX XXXX When we arrived at the location, the doors of the building were locked and there was no doorbell. After knocking on the door for several minutes, no one answered. We eventually left without attending the event. XXXX XXXX XXXX has refused to refund the money paid even though we showed up at the address provided but were unable to gain access to the building to attend the event. 

While I have filed multiple complaints in an attempt to have these funds refunded to no avail, I am now asking that you either look to the merchants for a refund and, therefore, refund me the {$160.00} and {$85.00} for merchandise and services that I have been billed but did not receive. ''

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