Credit card -- Problem with a purchase shown on your statement -- Complaint #18059203
Complaint Overview
Complaint ID: 18059203
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: Indiana
ZIP Code: 46825
Date Received: 2025-12-15T12:00:00-05:00
Date Sent to Company: 2025-12-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am the victim of an online employment scam. I was contacted by individuals impersonating hiring professionals and was manipulated into making payments under false promises that funds would be released to me through XXXX. The scammers sent forged XXXX emails and falsified screenshots claiming large sums were pending and demanded additional payments and gift cards to release the money. These representations were false. As a direct result of these fraud-related balances, PayPal Credit issued an adverse action letter dated XX/XX/year>, reducing my credit line to {$150.00}. This caused additional financial harm and negatively affected my available credit. I reported this scam to PayPal XXXX, the Federal Trade Commission ( FTC ), and the FBI XXXX XXXX XXXX XXXX ( XXXX ). I am requesting that PayPal Credit reopen and properly investigate the fraudulent charges and reverse the credit line reduction, as the utilization that triggered it resulted solely from documented fraud.
Frequently Asked Questions
What is Complaint #18059203 about?
Complaint #18059203 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 2025-12-15T12:00:00-05:00.
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.