Credit card -- Problem with a purchase shown on your statement -- Complaint #11911801
Synchrony Financial Cardholder Charged for Unrecognized Purchase
Complaint Overview
Complaint ID: 11911801
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: Card was charged for something you did not purchase with the card
State: Virginia
ZIP Code: 23185
Date Received: 2025-01-31T12:00:00-05:00
Date Sent to Company: 2025-02-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Tags: Older American
Risk Assessment
Risk Level: low
The risk is low as the issue was closed with an explanation, suggesting it may have been resolved or deemed not a valid dispute.
Consumer Sentiment: neutral
Topics: credit card, unauthorized charges, billing disputes
AI Analysis
CFPB complaint 11911801 was filed against SYNCHRONY FINANCIAL regarding Credit card (General-purpose credit card or charge card), specifically about "Problem with a purchase shown on your statement". A consumer reported being charged for a purchase they did not make on their Synchrony Financial credit card, and the issue was closed with an explanation. The complaint was received on January 31, 2025 from Virginia. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit card statements for any unauthorized charges and dispute them promptly with the card issuer.
Legal Context & Consumer Protection Laws
This situation relates to consumer protection laws regarding billing errors and unauthorized transactions on credit cards.
Regulatory Insight
Card issuers must have clear procedures for investigating and resolving disputes about incorrect charges on statements.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
The complaint originated in Virginia and was closed with an explanation, indicating a specific resolution path was taken.
Industry Comparison
This is a common issue across credit card companies, where customers may dispute charges they believe are fraudulent or incorrect.
Related Issues
Frequently Asked Questions
What is CFPB complaint 11911801 about?
CFPB complaint 11911801 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Problem with a purchase shown on your statement", specifically "Card was charged for something you did not purchase with the card". This complaint was filed against SYNCHRONY FINANCIAL on January 31, 2025.
Which company is complaint 11911801 filed against?
Complaint 11911801 was filed against SYNCHRONY FINANCIAL. You can view all complaints against this company on their profile page at /company/synchrony-financial.
What was the company's response to complaint 11911801?
SYNCHRONY FINANCIAL responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 11911801 filed?
Complaint 11911801 was received by the CFPB on January 31, 2025. It was sent to SYNCHRONY FINANCIAL on February 3, 2025.
What state was complaint 11911801 filed from?
Complaint 11911801 was filed from Virginia. You can view all complaints from this state at /state/VA.
Was the consumer satisfied with the resolution of complaint 11911801?
Dispute information is not available for complaint 11911801.
What product category is complaint 11911801 about?
Complaint 11911801 is categorized under "Credit card", specifically "General-purpose credit card or charge card". This is one of the product categories tracked by the CFPB.
How was complaint 11911801 submitted?
Complaint 11911801 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 11911801?
This situation relates to consumer protection laws regarding billing errors and unauthorized transactions on credit cards. This relates to a Credit card complaint against SYNCHRONY FINANCIAL involving "Problem with a purchase shown on your statement".
How likely is complaint 11911801 to be resolved?
Resolution likelihood: unlikely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 11911801?
This complaint is rated as low risk. The risk is low as the issue was closed with an explanation, suggesting it may have been resolved or deemed not a valid dispute.
What regulatory actions apply to complaint 11911801?
Card issuers must have clear procedures for investigating and resolving disputes about incorrect charges on statements. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 11911801?
Consumers should carefully review their credit card statements for any unauthorized charges and dispute them promptly with the card issuer.
Are there state-specific protections for complaint 11911801?
The complaint originated in Virginia and was closed with an explanation, indicating a specific resolution path was taken. This complaint was filed from Virginia.
How does complaint 11911801 compare to industry norms?
This is a common issue across credit card companies, where customers may dispute charges they believe are fraudulent or incorrect.
What steps should a consumer take if they see a charge they don't recognize on their credit card statement?
Contact the credit card issuer immediately to report the unrecognized charge and initiate a dispute. Keep records of all communication.
What does 'Closed with explanation' typically mean in the context of a CFPB complaint?
It usually means the company provided a response or resolution to the consumer's issue, which the consumer may or may not have agreed with.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.