Credit card -- Problem with a purchase shown on your statement -- Complaint #17985583
Complaint Overview
Complaint ID: 17985583
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: Nevada
ZIP Code: 89123
Date Received: 2025-11-27T12:00:00-05:00
Date Sent to Company: 2025-11-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
b'I pay for the full amount XXXX dollars for a procedure that I never got they refunded XXXX and the regional manager XXXX phone number XXXX XXXX XXXX she said I need phone that XXXX claim specialist said they will refund the full amount or finish the issues with mutual agreement \n\nI am following up regarding my unresolved complaint with XXXX XXXX in XXXX, MA (Case No. XXXX Despite a partial refund of $XXXX, I am still owed $XXXX for services I never received.\nI paid a total of $XXXX for an alignment treatment I was misled into accepting. I was told the initial scan was free, yet it was included in the bill without my consent. I was also informed that my records would be transferred to another location, which never occurred. I was then handed the products with no future appointments, guidance, or proper follow-up.\nTo make matters worse, XXXX XXXX enrolled me in a payment plan under the impression that it was a standard installment plan. However, I later discovered that it was actually a CareCredit credit card, which had already been charged for the full amount of the treatmenteven before I received proper care. When I attempted to dispute the issue, I was shown my signed agreement, which was used against me despite the fact that I did not receive the promised service. This deceptive financial practice is unacceptable.\n\nGiven the substandard and misleading service, I am formally requesting a full refund for the amount I paid. Your offices failure to provide the agreed-upon service, coupled with poor communication and unethical billing practices, has left me with no choice but to escalate this matter if necessary.\n\nThe alignment did not fit properly, and after several follow-ups, I was sent for another scanbut the product was still delivered to the wrong location, delaying treatment by two months. During all this, I was unknowingly enrolled in a CareCredit plan and charged the full amount upfront, despite not receiving the service promised.\nWhen I contacted XXXX XXXX (Risk Specialist, Team XXXX XXXX) and Regional Manager XXXX XXXX XXXX I was told the matter would be resolved, and I would either receive a full refund or a satisfactory solution. That never happened, and no one followed up.\nThis situation has caused significant XXXX, financial loss, and a complete breakdown in trust. I am again requesting a full refund of the remaining $XXXX.'
Frequently Asked Questions
What is Complaint #17985583 about?
Complaint #17985583 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 2025-11-27T12:00:00-05:00.
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.