Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #7310140
Complaint Overview
Complaint ID: 7310140
Company: Synchrony Financial
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Card was charged for something you did not purchase with the card
State: New Jersey
ZIP Code: 08859
Date Received: 2023-07-26T12:00:00-05:00
Date Sent to Company: 2023-08-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
Back in beginning of XXXX ( Covid Days ), I used XXXXXXXX XXXX to make a small purchase of {$20.00}. At that time, I had PayPal as my only payment method to pay for any XXXX purchases. To my surprise, without any agreed-on arrangement, without my knowledge and six months later they started sending me a statement from unknown bank by the name of Synchrony Bank ! I reached out to both XXXX and Synchrony Bank to inform them that the payment was made on my PayPal card. They acted like they understood and well aware of my sole payment method on my account. Both XXXX and Synchrony Bank customer services tried to act like someone used my account without my knowledge and they want to list it as a Fraud, even know I told them that the purchase is valid and legit. After multiple monthly conversations with multiple customer service representatives after receiving a false statement, I was not giving any option, other than to transfer to Fraud Hot Line! to report this. Going through this non-sense scam and unethical practice just to inform me that they canceled a credit card, that was never sent to me and promising me that this issue is closed and there is nothing for me to worry about. But fast forward 2 months later they kept sending me new statement that grow about {$30.00} a month and here we are in XXXX with outstanding balance of about {$600.00}. The last statement received shows that amount as transfer from a fake credit card to another fake credit card that I know nothing about!, but the amount is growing by the day. What I see here is two companies trying to scram consumers to recover from slow Covid days lost revenues. I need to report this as a complete Scam by these two companies and also make consumer aware of such a lousy ploy to generate revenues. I am not sure what to do here! Do I need to hire a Lawyer or contact the XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #7310140 about?
Complaint #7310140 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 2023-07-26T12:00:00-05:00.
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.