Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5546370
Complaint Overview
Complaint ID: 5546370
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: Texas
ZIP Code: 78752
Date Received: 2022-05-05T12:00:00-05:00
Date Sent to Company: 2022-05-05T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Below is a dispute letter I sent to Synchrony Bank three times. ____________ Hello, I am writing to dispute a charge that has been going on for over a year. In XX/XX/XXXX, I placed two orders ( # XXXX and # XXXX ) and returned the items in both orders shortly after they had been received. I then received return confirmation emails on XX/XX/XXXX and XX/XX/XXXX, and the refunds were reflected on XX/XX/XXXX account statement. There should have been no transactions related to orders # XXXX and # XXXX after that, however, two months later in XX/XX/XXXX, those two charges {$120.00} and {$190.00} showed up again. After speaking with representatives of your bank more than a dozen times and sent a dispute letter on XX/XX/XXXX, one charge ( {$180.00} ) has been resolved but the other charge ( {$120.00} ) is still showing up on my account. Date Transaction Order # Amount ( USD ) XX/XX/XXXX Purchase XXXX XXXX XX/XX/XXXX Purchase XXXX XXXX XX/XX/XXXX Refund XXXX XXXX XX/XX/XXXX Refund XXXX XXXX XX/XX/XXXX Transaction Balance Transfer XXXX?????? XX/XX/XXXX Transaction Balance Transfer XXXX?????? XX/XX/XXXX Dispute filed XX/XX/XXXX Dispute partially resolved XXXX I HONESTLY DO NOT UNDERSTAND WHY THE BANK IS DRAGGING OUT FOR OVER A YEAR WHEN THIS SIMPLE TECHNICAL GLITCH COULD HAVE BEEN FIXED AS SOON AS I CALLED ON XX/XX/XXXX. Please refer to the enclosed dispute form and statements, and fix the error accordingly. Hope to hear back from you as soon as possible. Thank you, XXXX XXXX
Frequently Asked Questions
What is Complaint #5546370 about?
Complaint #5546370 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 2022-05-05T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with monetary relief". 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.