Debt collection -- Attempts to collect debt not owed -- Complaint #5239973
Complaint Overview
Complaint ID: 5239973
Company: Synchrony Financial
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: New York
ZIP Code: 11235
Date Received: 2022-02-18T12:00:00-05:00
Date Sent to Company: 2022-02-18T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This problem is with Synchrony Bank, the partner of XXXX and XXXX operates Paypal Credit. XXXX Paypal Credit XXXX : XXXX On XX/XX/30 I purchased on XXXX a plushie using Paypal Credit. I was charged {$160.00} for a fullbody cat plushie and after additional discussion with the seller to upgrade the size agreed to pay {$450.00} more. A month later, seller came to me with just a small plushie. When I became upset as it was fraud of purchase terms, they said they will produce the large one. Another month later they provided one that was far subpar to their store quality purported and refused to fix the situation. XXXX XXXX XXXX XXXX XXXX XXXX What the business XXXX committed to provide XXXX Buyer Protection How XXXX is involved : They are directly in charge of Paypal Credit and in collaboration with XXXX. Basically, both teams XXXX and Synchrony Bank refused to read my evidence provided and jointly participated in attempting to put debt on me when I should have qualified for buyer protection. Nature of the dispute : I never received the items ( neither the small one nor large one ), seller attempted to dispatch randomly a package few days into the dispute process. I asked XXXX how this will affect and XXXX said to expect to be automatically ruled against, that they will not give me buyer protection even though seller provided not as described items fraud. So I was forced to open with Synchrony Bank, who also refused to investigate. Has the business tried to resolve the problem : No, XXXX denied me buyer protection even though I should have been covered. I have asked XXXX to contact their international office to return the shipment to origin but could not accept the package or pay for its return when it was forcibly sent out by the seller. Tracking # for {$160.00} shipment : XXXX XXXX Tracking # for {$450.00} shipment : One doesn't exist at all, seller uploaded the same # and XXXX says they just going to presume to accept that.
Frequently Asked Questions
What is Complaint #5239973 about?
Complaint #5239973 was filed against Synchrony Financial regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-02-18T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Synchrony Financial?
Yes, visit the Synchrony Financial company profile at readthecomplaint.com/company/synchrony-financial to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.