Credit card -- Problem with a purchase shown on your statement -- Complaint #10873983
Complaint Overview
Complaint ID: 10873983
Company: Synchrony Financial
Product: Credit card
Sub-Product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: Arizona
ZIP Code: 85286
Date Received: 2024-11-18T12:00:00-05:00
Date Sent to Company: 2024-12-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I made a purchase of flooring from XXXX XXXX with a credit card offer from Synchrony Bank on XX/XX/year> for {$8700.00}. The same day I made the purchase, XXXX XXXX filed for bankruptcy. The receipt I received from the purchase stated that I had 90 days to return my purchase and a lifetime warranty. The flooring was delivered on XX/XX/year>. On XX/XX/year> 30 days after delivery and well within the 90 day return policy I was promised, I reached out to LL Flooring to advise I wanted to return the product as it was not of the quality I had expected. I was told they are not taking any returns and sent me an email with information on how to contact their bankruptcy attorney and file a claim. I immediately filed a claim on the bankruptcy and also filed a dispute with Synchrony Bank. I provided copies of the receipt showing the return policy that was not honored. I even paid to have the product taken to the local store and it was refused. I provided pictures to Synchrony Bank of the product at the local store where it was attempted to be returned. I received notice today XX/XX/year> that Synchrony Bank has declined my dispute. I notified Synchrony Bank today that I was requesting a review of their decision and that I would be filing this complaint. XXXX XXXX and Synchrony Bank are out no money - only me, the consumer, will suffer because of malicious business practices and false warranties and return policies. There is no valid reason that Synchrony Bank declined this dispute and I need your assistance please.
Frequently Asked Questions
What is Complaint #10873983 about?
Complaint #10873983 was filed against Synchrony Financial regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2024-11-18T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with explanation". 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 (Credit card) 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.