Credit card -- Problem with a purchase shown on your statement -- Complaint #19664205
Credit Card Company Fails to Resolve Purchase Dispute
Complaint Overview
Complaint ID: 19664205
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: North Dakota
ZIP Code: XXXXX
Date Received: 2025-10-31T12:00:00-05:00
Date Sent to Company: 2026-02-20T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Risk Assessment
Risk Level: medium
The company's delay in resolving a disputed purchase could indicate systemic issues with their dispute resolution process or a lack of adequate customer service, potentially leading to further consumer frustration and financial impact.
Consumer Sentiment: negative
Topics: Credit card disputes, Purchase disputes, Billing errors
AI Analysis
CFPB complaint 19664205 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 is disputing a purchase on their credit card statement with Synchrony Financial, but the company has not yet resolved the issue. The complaint was received on October 31, 2025 from North Dakota. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should continue to document all communication with the credit card company and consider escalating the complaint if it remains unresolved.
Legal Context & Consumer Protection Laws
The Fair Credit Billing Act (FCBA) provides consumers with rights regarding billing errors and disputes on credit card statements.
Regulatory Insight
Regulators may examine the timeliness and fairness of Synchrony Financial's dispute resolution practices to ensure compliance with consumer protection laws.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The consumer is located in North Dakota, and state-specific consumer protection laws may also apply to this dispute.
Industry Comparison
This issue is common in the credit card industry, where disputes over purchases can arise and require timely resolution by the issuer.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19664205 about?
CFPB complaint 19664205 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 "Credit card company isn't resolving a dispute about a purchase on your statement". This complaint was filed against SYNCHRONY FINANCIAL on October 31, 2025.
Which company is complaint 19664205 filed against?
Complaint 19664205 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 19664205?
SYNCHRONY FINANCIAL responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 19664205 filed?
Complaint 19664205 was received by the CFPB on October 31, 2025. It was sent to SYNCHRONY FINANCIAL on February 20, 2026.
What state was complaint 19664205 filed from?
Complaint 19664205 was filed from North Dakota. You can view all complaints from this state at /state/ND.
Was the consumer satisfied with the resolution of complaint 19664205?
Dispute information is not available for complaint 19664205.
What product category is complaint 19664205 about?
Complaint 19664205 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 19664205 submitted?
Complaint 19664205 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 19664205?
The Fair Credit Billing Act (FCBA) provides consumers with rights regarding billing errors and disputes on credit card statements. This relates to a Credit card complaint against SYNCHRONY FINANCIAL involving "Problem with a purchase shown on your statement".
How likely is complaint 19664205 to be resolved?
Resolution likelihood: mixed. The company's current response is "In progress". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19664205?
This complaint is rated as medium risk. The company's delay in resolving a disputed purchase could indicate systemic issues with their dispute resolution process or a lack of adequate customer service, potentially leading to further consumer frustration and financial impact.
What regulatory actions apply to complaint 19664205?
Regulators may examine the timeliness and fairness of Synchrony Financial's dispute resolution practices to ensure compliance with consumer protection laws. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 19664205?
Consumers should continue to document all communication with the credit card company and consider escalating the complaint if it remains unresolved.
Are there state-specific protections for complaint 19664205?
The consumer is located in North Dakota, and state-specific consumer protection laws may also apply to this dispute. This complaint was filed from North Dakota.
How does complaint 19664205 compare to industry norms?
This issue is common in the credit card industry, where disputes over purchases can arise and require timely resolution by the issuer.
What are the typical timeframes for a credit card company to resolve a purchase dispute?
Under the Fair Credit Billing Act, credit card companies generally have up to two billing cycles, or 90 days, to investigate and resolve a billing dispute.
What steps can a consumer take if their dispute is not resolved satisfactorily?
If the dispute remains unresolved, the consumer can file a complaint with the CFPB, contact their state Attorney General, or explore options for arbitration or legal action.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.