Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5313203
Complaint Overview
Complaint ID: 5313203
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: Credit card company isn't resolving a dispute about a purchase on your statement
State: Pennsylvania
ZIP Code: 15210
Date Received: 2022-03-12T12:00:00-05:00
Date Sent to Company: 2022-03-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. My email is XXXX, my QVC account and Synchrony account are both attached to this name and email. On XX/XX/XXXX, I ordered a XXXX XXXX XXXX priced at {$1200.00}, agreeing to XXXX easypay installments of {$250.00}, through the seller : QVC, using my Synchrony QVC card ( ending XXXX ). I paid for express, overnight shipping, hoping that they would provide signature confirmation and an accurate delivery date for such an expensive product. I was provided the wrong estimated delivery date of XX/XX/XXXX, it was delivered to my house when I was not home on XX/XX/XXXX, no signature was requested, and the package was nowhere to be found when I came home and so I consequently requested a refund. A refund was provided to me by QVC, and curiously a few days later, on XX/XX/XXXX, I received an email from QVC stating that they would no longer honor the refund. " Dear Valued Customer, Upon further research the refund for your claim of non-receipt on your XXXX is unable to be processed. Tracking confirms your order was delivered. If you feel this is still an issue you must dispute this charge with your credit card company. '' This was for Order # XXXX with QVC. On XXXX I went forward to submit a claim with Synchrony as QVC provided and then pulled back a refund despite my not receiving the merchandise, and provided proof to Synchrony in the form of a chat I had with the QVC representative . Synchrony denied my claim. My card is still being charged for this purchase, and I am now being told that Synchrony is closing my other accounts due to this unpaid transaction that I never received in the first place. I received notice on XX/XX/XXXX through XXXX of all people that my claim was denied, despite hearing nothing from QVC OR Synchrony on the matter. When I placed the initial chat to QVC to request a refund, at the end of the chat- I asked how I can save the transcript. I was LIED to by the QVC associate who told me to INCORRECTLY press the wrong button, and subsequently the chat I attempted to save as proof of the refund was deleted, and when I requested an email copy, or to be mailed proof of this transcript with QVC support, I was DENIED by QVC. Very, very shady business practices.
Frequently Asked Questions
What is Complaint #5313203 about?
Complaint #5313203 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 2022-03-12T12:00:00-05:00.
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.