Consumer complaint received 2026-05-27 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: FL

Complaint narrative:
On XX/XX/XXXX I placed an order on XXXX for an item with a purchase price of {$260.00} a few days later the seller updated the tracking information which already had shown the package delivered however nothing had ever been shipped to my house the tracking showed a box that could not possibly be what I had ordered because the dimensions were very small compared to what it should be and it was sitting on a porch in the delivery photo that was clearly not my front porch. I contacted XXXX and due to security reasons the package was never shipped to my address they could only tell me that it was not shipped to my address XXXX XXXX XXXX in XXXX XXXX Florida. Just delivered to an address in my zip code XXXX. I attempted to contact XXXX and at the same time got a hold of PayPal and filed a dispute knowing that this was obviously a scam where the seller shipped an item to an address in my zip code and used that is proof that they shipped me what I had purchased. The minute I contacted PayPal XXXX refused to investigate or stand behind the purchase any longer and PayPal denied my dispute stating that the item had been delivered but wouldn't investigate where it had been delivered to. The seller/scammer responded that they had shipped the item and the tracking show that it was delivered to a address in my zip code. When I researched this it's apparently a very common scam and I haven't been able to get any help with resolving this issue by synchrony Bank the parent company that owns PayPal credit. I first contacted PayPal and they denied my dispute stating the item had been delivered, I then contacted synchrony Bank directly since they underwrite the credit for PayPal and they also put the item in dispute but then denied it stating the item had been delivered but will not investigate where it was delivered to and that it was not delivered to my address. The XXXX tracking number is XXXX. Even the package weight is way too heavy to be the item that I ordered. The item i ordered was a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX set ( set # XXXX ) has a total item weight of roughly XXXX pounds ( XXXX to XXXX kg ). The total package weight ( including the box and building manuals ) weighs approximately XXXX pounds ( XXXX kg ), and the package weight from the shipment details on XXXX states that it's XXXX lb! The delivery photo clearly shows the structure of the front door and the side light on the left side of the front door it's the wrong caller the windows on the wrong side it's not my doormat it's obviously not my porch. Anybody with a third grade education and XXXX can look at my front porch on XXXX maps and realize really quick that that was not my house the package was sitting in front of and the seller purposefully shipped the wrong size package to a different address to commit fraud. The PayPal case ID is XXXX XXXX Please help me hold PayPal credit and synchrony Bank accountable for not doing their job in their fraud department. I feel like this is cost me a lot of my time as well as the money I was scammed out of.

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