Credit card -- Problem with a purchase shown on your statement -- Complaint #10876380
Complaint Overview
Complaint ID: 10876380
Company: Synchrony Financial
Product: Credit card
Sub-Product: General-purpose credit card or charge 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: Ohio
ZIP Code: 44663
Date Received: 2024-11-20T12:00:00-05:00
Date Sent to Company: 2024-11-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I made a purchase of a custom ring on XX/XX/XXXX, for {$860.00} which to this day I have not received. While dealing with the seller, at one point XX/XX/XXXX he sent me cheap ring as a gift for being patient while continuing to wait on the custom ring I ordered. After multiple promises to send, and my having not received, I tried to cancel with him which he refused, so I went to paypal to dispute it on my card. Initially, the charge was reversed, But it then was charged back to me, as he had apparently provided the shipping info for the gift he provided, on XX/XX/XXXX, and the dispute department did not look at the date of it, versus the XXXX emails of the continued promises to send the custom ring. So I had the dispute reopened, and resent copies of the emails between the seller and myself, where he clearly says he had not sent it, and at one point states he returned it to the manufacturer.XXXX, I came out of a meeting to a voicemail from a woman named XXXX, who states she is a senior account manager, and declining my refund due to it being a custom ring. I am well aware I ordered a custom ring, as that is what I wanted, but I NEVER RECIEVED IT, and have sent more than sufficient evidence of this. When I attempted to return her call, I am told I can not speak to anyone in that department, and can only reopen a dispute once this one is closed, which can take another 60 days to resolve. If I had received it, I would have already paid this off, which I'm sure can be seen by my account history, but feel it is not right to pay for something I can prove, and have proved to have never received. And to have now been spending this extensive amount of time fighting seems ridiculous. As of today, XX/XX/XXXX, it is now reflecting on my credit report stating I am disputing despite resolution, although it has not been resolved. I have still not received the ring, which I can prove through the emails, and am still being charged for it.
Frequently Asked Questions
What is Complaint #10876380 about?
Complaint #10876380 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 2024-11-20T12:00:00-05:00.
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.