Credit card -- Problem with a purchase shown on your statement -- Complaint #12287917
Synchrony Financial Cardholder Charged for Unrecognized Purchase
Complaint Overview
Complaint ID: 12287917
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: California
ZIP Code: 93619
Date Received: 2025-02-28T12:00:00-05:00
Date Sent to Company: 2025-03-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: low
The risk is low as the issue was resolved and closed, suggesting a potential error or misunderstanding that was addressed.
Consumer Sentiment: neutral
Topics: Credit card billing error, Unauthorized charge, Dispute resolution
AI Analysis
CFPB complaint 12287917 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 February 28, 2025 from California. 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 immediately with the card issuer.
Legal Context & Consumer Protection Laws
This situation falls under consumer protection laws related to billing errors and unauthorized transactions on credit accounts.
Regulatory Insight
Card issuers must have clear procedures for investigating and resolving disputes regarding incorrect or unauthorized charges.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
The complaint was filed in California, indicating a need for Synchrony Financial to adhere to California's consumer protection regulations.
Industry Comparison
This is a common issue across credit card companies, where billing errors or fraudulent charges can occur and require investigation.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12287917 about?
CFPB complaint 12287917 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 February 28, 2025.
Which company is complaint 12287917 filed against?
Complaint 12287917 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 12287917?
SYNCHRONY FINANCIAL responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 12287917 filed?
Complaint 12287917 was received by the CFPB on February 28, 2025. It was sent to SYNCHRONY FINANCIAL on March 3, 2025.
What state was complaint 12287917 filed from?
Complaint 12287917 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 12287917?
Dispute information is not available for complaint 12287917.
What product category is complaint 12287917 about?
Complaint 12287917 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 12287917 submitted?
Complaint 12287917 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 12287917?
This situation falls under consumer protection laws related to billing errors and unauthorized transactions on credit accounts. This relates to a Credit card complaint against SYNCHRONY FINANCIAL involving "Problem with a purchase shown on your statement".
How likely is complaint 12287917 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 12287917?
This complaint is rated as low risk. The risk is low as the issue was resolved and closed, suggesting a potential error or misunderstanding that was addressed.
What regulatory actions apply to complaint 12287917?
Card issuers must have clear procedures for investigating and resolving disputes regarding incorrect or unauthorized charges. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 12287917?
Consumers should carefully review their credit card statements for any unauthorized charges and dispute them immediately with the card issuer.
Are there state-specific protections for complaint 12287917?
The complaint was filed in California, indicating a need for Synchrony Financial to adhere to California's consumer protection regulations. This complaint was filed from California.
How does complaint 12287917 compare to industry norms?
This is a common issue across credit card companies, where billing errors or fraudulent charges can occur and require investigation.
What steps should a consumer take if they discover a charge they didn't make on their credit card statement?
Immediately contact the credit card issuer to report the unauthorized charge and initiate a dispute. Keep records of all communication.
What is the typical process for a credit card company to investigate a disputed charge?
The issuer will typically investigate by contacting the merchant and reviewing transaction details. They may issue a provisional credit while the investigation is ongoing.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.