Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #4708173
Complaint Overview
Complaint ID: 4708173
Company: Synchrony Financial
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Overcharged for something you did purchase with the card
State: Massachusetts
ZIP Code: 02703
Date Received: 2021-09-09T12:00:00-05:00
Date Sent to Company: 2021-09-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2021 I opened up a new line of credit through Synchrony Bank through the XXXX website. Purchase was for XXXX. A few days after a hold was placed on the activity. I called to try to resolve, they couldn't help until I received my physical card from them. On XX/XX/2021 I received the physical card. One I was able to speak with the bank they informed me they put a hold on the transaction due to a discrepancy. They stated that I had two purchases on my account of XXXX and XXXX. I told them the XXXX was mine and I claimed that transaction. The XXXX was not mine and was a fraudulent charge. They then proceeded to close my account, cancel my card and reissue me a new account and card. However the report through the Fraud Agency stated that I had requested the XXXX transaction as " fraud '' and did not mention anything about the XXXX transaction. For whatever reason the bank no longer saw the " XXXX '' transaction within my records. This was a misleading event. My bank told me about two purchases, I said one was fraudulent, they deleted for whatever reason from their records the fraudulent claim and then said I said the XXXX transaction was fraudulent, which it was not. I cancelled the fraud investigation, but now I have wasted a week for a purchase I was willing to make and pay off. This is blatant incompetence and potentially damaging to my credit which I did not deserve to receive. I completed all the appropriate actions to ensure a smooth transition but the company was nowhere able to support the needs and mislead me on what had occured and how it was recorded.
Frequently Asked Questions
What is Complaint #4708173 about?
Complaint #4708173 was filed against Synchrony Financial regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2021-09-09T12:00:00-05:00.
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 or prepaid 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.