Consumer complaint received 2024-09-21 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: CA

Complaint narrative:
Hello, my name is XXXX and I really hope you can please help me. Begging you can help me fight PayPal credit who is siding with a scammer. This is a follow up to my previous complaint that is NOT resolved XXXX. XXXX will preface what happened. On XX/XX/XXXX I made a purchase using " Goods & Services '' using my PayPal Credit ( line of credit that you can use on purchases ). I spoke with a seller on the website " XXXX '' and this a forum site where there is a group for people who buy and sell collectibles XXXX '' figures called " XXXX XXXX '' ( here is the company official site to showcase what these figures look like so you can understand the quality and pricing XXXX XXXX XXXX ) I speak to a supposed seller and we agree to a price and I pay him. A few days pass and I noticed the tracking number he provided was bogus, nothing was updating despite him saying " he dropped off the XXXX  at the post office ''. I noticed the interaction was fishy - I contact PayPal to open a dispute against the transaction. At this time, the seller isn't quite smart because he admits to scamming me, he attacks me personally and makes comments like " I can tell you've never been broke '' and confirming he indeed scam me. I notify PayPal and they said they need to wait until the package shows up. Well, a package does show up, the box is very small ( mind you, these are XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX figure I supposedly bought ) and I open the box to a case of XXXX  XXXX. I contact PayPal and they put me in a limbo and run around. Eventually they CLOSE the case IN THE SCAMMERS FAVOR. I'm literally DUMBFOUNDED as to HOW this scammer was able to get away with this. This is awful, this person now has deleted their XXXX  account, erased their digital footprint on that site. I've been a customer of PayPal credit for over 10 years and to be treated like the criminal here being OUT {$350.00} is absolutely mind boggling. To make matters worse, whenever you call them, you are speaking to representatives that operate outside the United States so no one truly cares or can understand how XXXX and white this fraud is. I have ALL the messages and pictures. I seek for a full refund please please please I am begging for help. I've attached XXXX pictures of the conversation with the scammer : For explanation - the scammer username is " XXXX '' and MY personal username is " XXXX ''. XXXX XXXX - XXXX contains the conversation and picture XXXX has his confession of scamming me. Picture XXXX and XXXX are of the package he sent to me, which to clarify again, is NOT what I ordered. Lastly picture XXXX - I had messaged the moderator of the XXXX XXXX XXXX and the moderator has a display name of " XXXX '' and he also confirmed that this person has been scamming other members. This makes it worse cause this shows that this individual has other claims made against him and STILL paypal is SIDING with a criminal. I beg you to help me please

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